Helping machinery & equipment suppliers sell more

If you sell machinery, vehicles or specialist equipment, you’ll know that sometimes the biggest hurdle to getting a sale across the line isn’t the equipment — it’s the finance.

Your customer may be ready to invest in an excavator, truck, forestry equipment, agricultural machinery or specialist technology.

But they still need the numbers — and the finance structure — to work for their business.

That’s where Finance New Zealand can help.

We work alongside machinery and equipment suppliers throughout New Zealand, helping their customers access and structure equipment and asset finance through our network of more than 40 lenders.

You can stay focused on the equipment and your customer, while we take care of the finance side.

When the Finance Fits, the Equipment Can Move

Many machinery and equipment suppliers already have a dealer finance option available.

And sometimes that will be exactly what the customer needs.

But a standard finance package won’t suit every business. The right structure may need to take into account the customer’s:

• Cashflow
• Seasonal income
• Existing lending
• Contract cycles
• Deposit or equity position
• GST requirements
• Plans for future equipment purchases

When the finance doesn’t fit, a purchase can stall.

The customer may delay the decision, reconsider the investment or find that the repayment structure simply doesn’t work for their business.

That doesn’t necessarily mean the equipment is wrong.

Sometimes it simply means the finance needs to be structured differently.

How We Help Machinery and Equipment Suppliers

When you introduce a customer to Finance New Zealand, their adviser can:

• Understand what they are buying and how it will work within their business
• Structure repayments around their cashflow and circumstances
• Consider different terms, deposits, balloons and residuals
• Look beyond the headline rate to the overall finance structure
• Help them understand the total cost of the funding
• Manage the finance process directly with them
• Keep you updated on progress where appropriate
• Give them access to an adviser who works with 40+ lenders across the market

We’re not tied to one lender or one finance product.

With access to main banks and specialist finance providers, we can look at the wider picture and structure a solution around what the business actually needs.

Equipment Finance Beyond Standard Dealer Finance

There will always be customers who don’t fit neatly into a standard dealer finance programme.

They may be purchasing multiple assets, replacing an existing fleet, investing ahead of a new contract, buying specialist equipment or simply needing a finance structure that better reflects the way their business operates.

That’s where having access to a broader range of commercial equipment and asset finance options can help.

We regularly work with businesses across industries including:

• Transport
• Construction and civil contracting
• Forestry
• Agriculture and horticulture
• Manufacturing
• Trades
• Technology
• Healthcare

The aim is to find a finance structure that works for the asset, the transaction and the business behind it.

Finance Support for Importers, Distributors and Equipment Suppliers

For importers, distributors and suppliers of larger or specialist equipment, finance delays can also create uncertainty around stock and completed sales.

Bringing a finance adviser into the conversation early can help identify potential funding issues and give the customer a clearer understanding of their options.

Depending on the transaction, we can help with asset finance, equipment finance, working capital and other business funding solutions.

For larger purchases or equipment packages, we can also look at how the new funding sits alongside the customer’s existing lending and future plans.

It’s About More Than the Interest Rate

The lowest advertised rate isn’t always the most important part of an equipment finance decision.

A good finance structure should also take into account:

• Total cost over the term
• Deposit requirements
• Loan term
• Balloon or residual payments
• Cashflow and repayment timing
• GST treatment
• Existing business debt
• Future funding requirements

For a business owner, getting the structure right can be just as important as the rate itself.

And for a supplier, having an experienced finance adviser who can work through those details with your customer can help make the purchasing process easier.

Want to Make Equipment Finance Easier for Your Customers?

If you’re a machinery or equipment supplier in New Zealand, Finance New Zealand can work alongside you and your sales team to support customers with:

• Purchases that don’t fit standard dealer finance
• More complex machinery or equipment transactions
• Multiple-asset purchases
• Fleet replacement and expansion
• Customers wanting to understand their finance options
• Businesses needing a more tailored funding structure

You sell the equipment. We’ll help your customer find the finance to put it to work.

Talk to your local Finance New Zealand adviser about how we can support your business and your customers.