Get the gear now, keep your cash for the business.
Buy or lease the machinery, tools and technology your business runs on — spreading the cost over its working life instead of paying a lump sum upfront.
Equipment Finance, explained
Equipment finance lets you acquire essential assets — from a coffee machine to a CNC mill to a full IT fit-out — without draining your working capital. The equipment itself usually serves as the security, which keeps rates sharp, and at the end of the term you typically own it outright. There can be real tax advantages too, with depreciation and interest often deductible.
Why smart operators never buy gear outright
New or used assets
Finance almost anything that helps you earn — new or quality second-hand.
Protect your cash
Spread the cost over the asset’s life instead of one big upfront payment.
Own it at the end
Most facilities transfer ownership to you once the final payment is made.
Tax-effective
Depreciation and interest may be deductible — ask your accountant.
Fast settlement
Approvals in hours so you can take delivery without delay.
Asset-backed rates
The equipment secures the loan, which keeps your rate competitive.
Is this right for you?
Best for businesses that need physical assets to operate or grow — trades, hospitality, manufacturing, transport, healthcare and beyond.
- Buying machinery, tools, tech or fit-out
- Want to preserve working capital
- Prefer to own the asset long-term
- Looking for possible tax benefits
- Trading 6+ months with an NZBN
From quote to gear on-site in four steps
Tell us about your business
A few quick questions and our NZBN lookup — under 2 minutes, no documents to dig up.
Compare your matched offers
We instantly match you with the lenders most likely to approve you, side by side.
Choose your lender
Pick the offer that suits you. You decide who gets in touch — no spam, ever.
Get funded fast
Accept and receive funds in your account in as little as 24 hours.
Matched with lenders like
Equipment Finance, answered
What can I finance?+
New or used — does it matter?+
Do I own the equipment?+
Are there tax benefits?+
Ready to get that gear earning for you?
Check your eligibility in 2 minutes — it's free and won't affect your credit score.
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