Asset finance NZ – fast funding for essential business assets
Need a new van, vital gear or a cash-flow boost? Real Finance’s asset finance lets you get it now—quick answers, fixed repayments, zero cash-flow strain.
Why choose asset finance with Real Finance?
60-minute conditional approval
Apply online in five minutes and hear back within the hour
Preserve cash flow
Spread the cost over a sensible loan term instead of one large outlay
Tailored interest rate
Fixed for the life of the loan, with no hidden surprises (current range 9.95% – 39.95% p.a.)
Secured loan or unsecured option
Pledge the asset (or other collateral) for sharper pricing, or keep it unsecured for speed
NZ-based team
Real people who understand Kiwi SMEs and CCCFA guidelines
What can asset finance cover?
- Vehicles: vans, utes, light trucks
- Equipment finance: plant, tools, workshop gear
- Technology: servers, POS systems, laptops, software licences
- Fit-outs: shelving, refrigeration, restaurant or retail furnishings
- “Nice-to-have” upgrades that turn into essential assets as you grow
Whether you’re replacing worn-out kit or seizing a new opportunity, our asset financing keeps you moving without tapping existing credit lines.
Eligibility & required documents
- NZ company director ID (driver licence or passport)
- Six months’ business bank statements (PDF/CSV)
- Proof of trading revenue – Xero P&L or GST returns
- Asset quote or invoice from supplier
- Details of any existing business finance or liens
Having these ready helps us confirm affordability and release funds faster.
How asset financing supports cash flow
Paying for big-ticket gear outright can leave a dent in reserves. An asset finance solution matches repayments to the revenue the asset generates, so you stay liquid for wages, marketing and unexpected costs.
How much will it cost?
Use our asset-finance calculator to plug in your loan amount and term. It shows repayments—principal, interest and fees—instantly, so you can choose a schedule that fits your budget. Pay extra whenever you like; there are no early-repayment penalties.
Available loan amount
From $2,000 to $50,000
Terms
2 – 60 months
Repayments
Starting from $70 per week
Security options
Use the asset you already have or are purchasing
Disclaimer
This calculator is intended as a helpful guide for use when comparing loan providers and should only be used as such. It provides results based on the assumptions below and the information you provide.
- The calculated amount is not a quote or offer from Real Finance (or our External Lenders).
- Repayment amounts calculated are based on an indicative annual interest rate of 23.95%, an Establishment fee and a Monthly Administration fee.
- The rate offered to successful applicants will depend on individual circumstances and loan type, including your credit score, affordability and security offered.
- Our current annual interest rates and costs of borrowing can be found here.
- Other fees or charges may apply to your individual loan.
- It assumes you make all your required repayments in full and on time and therefore do not enter default.
For more information or to obtain a finance quote tailored to your individual circumstances, please contact one of our friendly team.
Asset finance NZ – easy as 1, 2, 3
1. Application
Fill in our 5-minute loan application form, or call 0800 21 21 21 to talk to our friendly team.
2. Review
We’ll review your loan application within 60 minutes to make sure your loan is fit for purpose and affordable for you. We’ll also review your credit score and financial situation as part of the process.
3. Payout
Once your loan amount is approved, we document your application, explain the terms, sign you up and pay out your funds—so you can get your fast cash without delay.
“I was considering ways of growing my construction business but was constantly short of capital to buy an excavator outright instead of hiring one for jobs. A Real Finance loan allowed me to buy my own, rent it out at market rates, and I used the income to pay the loan off over time.”
Frequently asked questions
Do I need a deposit?
Not necessarily. Many deals are 100% financed against the asset’s value.
Can I finance second-hand equipment?
Yes—provided the item is insured, in good condition and has a verifiable serial or chassis number.
Is a balloon or residual payment available?
For certain assets we can structure lower regular instalments with a lump-sum at the end of the loan term.
What if my cash flow tightens?
Talk to us early. Options include extending the loan term or switching temporarily to interest-only.
Can I top-up to buy another asset later?
If your repayment history is strong, we can reassess and add to your facility quickly.
We’re here to help
Have more questions about equipment funding, lease-to-own structures, or collateral requirements? Contact our team for personalised support.
Ready to get help now?
Apply online in minutes or call 0800 21 21 21. Our team is standing by to get you the emergency funds you need—fast, fair and hassle-free.
