Vehicles, machinery and technology for your business, without draining the cash that keeps it running.
Registered NZ Financial Services Provider
Member of the New Zealand Financial Services Group (NZFSG)
Working with businesses nationwide
If it helps your business earn, chances are we can help you finance it.
From a single ute to a full fleet, keep your business moving without a big upfront hit.
Diggers, loaders, cranes and plant. Get on site sooner and pay as the machine earns its keep.
Servers, systems, software and hardware. Stay current without the capital outlay.
Industry-specific gear for trades, manufacturing, hospitality and more.
High-value equipment for clinics, practices and professional services.
Tractors, implements and machinery to keep the farm productive year round.
When your business needs vital equipment, paying cash for it can slow you down. Tying up capital in a truck or a machine means less in the tank for wages, stock, marketing and the unexpected.
Asset finance lets you acquire what you need now and spread the cost in a way that matches how your business actually operates. You get flexible repayment terms, the choice of fixed or variable rates, and honest guidance on which structure suits your situation.
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.
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.
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.
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.
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.
Fill in the enquiry form or give us a call for a quick chat about what you're looking to achieve.
We gather the information we need to understand your situation and prepare a strong, well-supported application.
We handle the banks and lenders, negotiating, presenting your application, and keeping everything on track.
We guide you through any extras lenders need and keep you updated until approval is confirmed. Then your equipment goes to work.
Matt Carr and Ari Toufexis
The two people you'll actually deal with.
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.
Access to lenders who focus on business assets and understand your industry.
From first conversation to settlement, we handle the paperwork and the back-and-forth.
We know what lenders want to see, so applications go in strong and move quickly.
Plus specialist asset lenders most people have never heard of.
A tight deadline with a big ask, and he exceeded all my expectations. How could I not give 5 stars.
“Ari was extremely helpful, securing us a loan on very short notice and patiently explaining all options available.”
“Helped me secure commercial lending while making the process clear and straightforward. Lendal is your team.”
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.
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.
Thanks, we've got your enquiry.
We'll be in touch shortly. If it's urgent, feel free to call us directly.
