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Lendal Asset Finance

Asset finance that keeps your working capital working

Vehicles, machinery and technology for your business, without draining the cash that keeps it running.

Start your enquiry See how it works

Registered NZ Financial Services Provider

Member of the NZ Financial Services Group

Working with businesses nationwide

Finance arranged through banks and specialist lenders, including:

What we can finance

If it helps your business earn, chances are we can help you finance it.

Trucks and fleet vehicles

From a single ute to a full fleet, keep your business moving without a big upfront hit.

Construction machinery

Diggers, loaders, cranes and plant. Get on site sooner and pay as the machine earns its keep.

IT and technology

Servers, systems, software and hardware. Stay current without the capital outlay.

Specialised tools and equipment

Industry-specific gear for trades, manufacturing, hospitality and more.

Medical and professional equipment

High-value equipment for clinics, practices and professional services.

Agricultural equipment

Tractors, implements and machinery to keep the farm productive year round.

Why finance your assets?

Paying cash for vital equipment ties up money that should be covering wages, stock and the unexpected. Asset finance lets you acquire what you need now and spread the cost around how your business actually runs. In most cases the asset itself acts as security, so your credit lines stay free and your working capital stays intact.

  • Preserve working capital and existing credit lines

  • Repayments structured around your cash flow

  • The asset itself typically acts as security

  • Potential tax advantages depending on the structure Talk to your accountant.

Your finance options, in plain English

There's more than one way to finance an asset. The right structure depends on how long you'll keep it, how your cash flow runs, and how you want it treated on the books.

Hire purchase

You pay the asset off in regular instalments, and once the final payment is made, it's yours. A straightforward option when you know you'll want to own the asset long term, like a truck or machine with plenty of working life ahead of it.

Finance lease

The lender owns the asset and you lease it for an agreed term, usually with lower payments than hire purchase. A good fit for assets you'll want to upgrade regularly, like vehicles or technology, where flexibility matters more than ownership.

Chattel mortgage / term loan

You own the asset from day one, with the loan secured against it. This can suit businesses that want the asset on their balance sheet immediately, and it often works well for GST-registered businesses.

Not sure which one fits? That's exactly what we're here for. Tell us about your situation and we'll walk you through the pros and cons of each, in language that makes sense.

The process

  1. Get in touch

    Fill in the enquiry form or give us a call for a quick chat about what you're looking to achieve.

  2. Share your details

    We gather the information we need to understand your situation and prepare a strong, well-supported application.

  3. We work with the lenders

    We handle the banks and lenders, negotiating, presenting your application, and keeping everything on track.

  4. Finalise and settle

    We guide you through any extras lenders need and keep you updated until approval is confirmed. Then your equipment goes to work.

Why work with us

Lendal Asset Finance is part of Lendal Mortgages, a Wellington-based brokerage working with businesses across New Zealand. When you deal with us, you deal directly with Matt and Ari, not a call centre, and we stay with you from application to settlement.

Specialist lenders, not just the main banks

Access to lenders who focus on business assets and understand your industry.

End-to-end support

From first conversation to settlement, we handle the paperwork and the back-and-forth.

Fast, smooth process

We know what lenders want to see, so applications go in strong and move quickly.

Matt Carr and Ari Toufexis of Lendal Asset Finance

Matt Carr and Ari Toufexis, the two people you'll deal with.

What clients say

“Solid experience, good judgment and a direct no nonsense approach to helping us achieve our objectives. He delivers.”
Paul, Google review
“Ari was extremely helpful, securing us a loan on very short notice and patiently explaining all options available.”
Tereza Bublikova, Google review
“A tight deadline with a big ask, and he exceeded all my expectations. How could I not give 5 stars.”
Gil Sandford, Google review

Straight answers

It depends on the asset, its age, and your business's position. Many asset finance deals can be structured with little or no deposit because the asset itself acts as security. We'll give you a realistic picture early on, before any formal application.

For straightforward deals with good information upfront, approvals can come through in a matter of days, sometimes faster. Because we prepare applications properly the first time, we avoid the delays that come from lenders asking for missing pieces.

Yes, in most cases. Lenders will consider the asset's age, condition and remaining working life. Some have age limits at the end of the loan term, and we'll factor that in when matching you with the right lender.

Often, yes. Some lenders specialise in newer businesses and self-employed operators, and may look at projections, contracts in hand, or your industry experience rather than just trading history. This is exactly where a broker earns their keep.

Most asset finance is written at a fixed rate for the term, which makes budgeting simple: same payment, every time. We'll talk you through the options and what they mean for your cash flow before you commit to anything.

In most cases, nothing. Like most brokers, we're paid a commission by the lender when your finance settles. If a fee ever applies to your situation, we'll tell you clearly and upfront, before you're committed to anything.

Some lenders offer seasonal or structured repayment options, which can suit agriculture, tourism and other seasonal businesses. Tell us how your income runs and we'll look for a structure to match.

Depending on the agreement, you can typically return the asset, extend the lease, or upgrade to newer equipment. We'll make sure you understand your end-of-term options before you sign.

Start your enquiry

Tell us a bit about what you're looking to finance and we'll come back to you promptly, usually the same business day. No obligation, no pressure, just straight answers.