Asset Finance

Get your business on the road the right way.

Asset finance is a valuable option for individuals and businesses looking to acquire equipment or vehicles without the need for a large upfront investment. As a Mortgage Adviser, I assist clients throughout New Zealand in understanding how asset finance can support their goals for growth and efficiency.

Asset finance refers to a range of lending products that allow you to purchase or lease assets such as machinery, technology, or vehicles. It can provide a cost-effective means to use and gain access to the latest equipment while preserving cash flow. Here’s a brief overview of how asset finance works and what it entails:

Types of Finance Options

Common forms include equipment loans, finance leases, operating leases, and hire purchase agreements. Each has its own features and benefits, depending on whether you want to own the asset at the end of the term or simply use it for a period.

Spreading the Cost & Cash Flow

Instead of paying the full amount for an asset upfront, asset finance spreads the cost over time. This can help manage your budget more effectively and free up capital for other areas of your business or personal finances.

Preserve Working Capital

By avoiding the need to use your existing capital to pay for new assets outright, you can maintain liquidity and keep your business adaptable.

Tax and Accounting

Depending on the type of asset finance you choose, there may be potential tax advantages, such as deducting the cost of lease payments or claiming depreciation. It’s important to consult with an accountant to understand the implications for your situation.

Up-to-date Technology

Asset finance can enable you to access the latest technology or equipment, which can improve productivity and keep you competitive without the burden of obsolescence.

Get Started.

As your Mortgage Adviser, my role is to provide clear guidance on the various asset finance options available and help you select the product that aligns with your requirements. Whether you’re looking to upgrade equipment, expand your vehicle fleet, or invest in new technology, I will support you through the application process and ensure you understand the terms and conditions of your finance agreement.

By working together, we can develop a strategic approach to financing your assets, ensuring that the investment contributes positively to your operational capabilities and overall financial health.

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