Equipment Finance & Leasing
Access the equipment your business needs without the upfront costs. Compare financing and leasing options from New Zealand's leading providers.
Get Finance QuoteEquipment Financing Solutions
Equipment Finance
Own the equipment outright with structured payments that suit your cash flow.
- • Fixed or variable rates
- • Flexible repayment terms
- • Tax depreciation benefits
- • Full ownership at completion
Equipment Leasing
Access equipment with lower monthly costs and upgrade options.
- • Lower monthly payments
- • Option to upgrade
- • Maintenance packages available
- • 100% tax deductible
Hire Purchase
Immediate use with ownership transfer after final payment.
- • Use equipment immediately
- • Flexible deposit options
- • Ownership on completion
- • GST benefits available
Equipment We Can Finance
IT Equipment
Computers, servers, networking
Manufacturing
Machinery, tools, production
Vehicles
Cars, trucks, commercial fleet
Office Equipment
Furniture, printers, phones
Medical Equipment
Healthcare, dental, diagnostic
Construction
Heavy machinery, tools
Hospitality
Kitchen, bar, POS systems
Retail Equipment
POS, displays, fixtures
Equipment Finance Calculator
Equipment Details
Payment Estimates
Amount to finance: $0
Monthly payment: $0
Total interest: $0
Total cost: $0
Tax Benefits
Estimated annual depreciation: $0
Tax savings (28% rate): $0
Top Equipment Finance Providers
| Provider | Specialties | Min/Max Amount | Approval Time | Rating |
|---|---|---|---|---|
| AN ANZ Business Major bank | All equipment types, vehicles, technology | $5K - $5M+ | 2-5 business days | 4.6 |
| WE Westpac Equipment finance | Manufacturing, construction, medical equipment | $10K - $10M+ | 1-3 business days | 4.7 |
| CW Credit Works Specialist lender | IT equipment, office equipment, vehicles | $2K - $500K | Same day approval | 4.5 |
| FL Finance Link Equipment specialist | Heavy machinery, transport, agriculture | $5K - $2M | 24-48 hours | 4.4 |
| AS Asset Finance SME focused | Small business equipment, technology | $1K - $250K | 1-2 hours | 4.3 |
| KI Kiwibank Business Local bank | General equipment, vehicles, technology | $3K - $1M | 2-3 business days | 4.2 |
Finance vs Lease vs Purchase
| Factor | Equipment Finance | Leasing | Cash Purchase |
|---|---|---|---|
| Ownership | ✅ Immediate ownership | ❌ No ownership | ✅ Immediate ownership |
| Cash Flow | 🟡 Structured payments | ✅ Lower payments | ❌ Large upfront cost |
| Tax Benefits | ✅ Depreciation deductions | ✅ 100% deductible | ✅ Depreciation deductions |
| Flexibility | 🟡 Committed to payments | ✅ Upgrade options | ✅ Full control |
| Interest/Cost | 🟡 Interest payments | 🟡 Higher total cost | ✅ No interest |
Get Equipment Finance Quotes
Compare rates and terms from multiple lenders. Free quotes, fast approval.