Auckland Finance specializes in financing Auckland’s Small & Medium Businesses

We have years of experience supporting businesses just like yours. We understand the challenges facing small and medium businesses especially seasonality.  Our flexible finance options are available for both new and used equipment.

Talk directly to a decision maker today.

Commercial Loans

For purchase of new or used commercial vehicles or plant and equipment


  • Low or no deposit available
  • Borrower ownership of asset
  • Simple documentation
  • Loan terms of 6-60 months
  • Seasonally structured payments


  • Conserve cash for operating expenses
  • GST on purchase claimable
  • Prompt settlement has the vehicle or plant working for you sooner
  • To reduce monthly payments
  • To align with expected revenue in-flows

Finance Leases

To fund the acquisition of long-life assets


  • 100% financing available
  • 12-60 month terms
  • Residual value
  • Options at termination


  • Conserve existing cash
  • GST neutral – pay and claim GST every month
  • To reduce payments and match expected asset life
  • A range of options including return of asset, re-lease or gain from sale

Working Capital Advances

To fund growth or assist with restructure of existing obligations


  • Fund growth or a one-off payment obligation
  • Refinance or consolidate existing loans
  • Terms 6-60 months
  • Seasonally structured payments


  • Utilise equity in existing vehicles or equipment
  • Utilise existing asset security
  • To allow for a manageable rate of repayment
  • To align with peaks and troughs in business cash flows