Quick answer
IT equipment finance funds hardware for NZ businesses — laptops, desktops, monitors, servers, networking, AV, point-of-sale, security cameras and similar. Because IT hardware refreshes fast, operating lease is more popular than hire purchase in IT than other asset categories — predictable cost, easy refresh, off the balance sheet pre-IFRS 16. Hire purchase and chattel mortgage are also used where the business plans to own and depreciate. Indicative rates from ~7.6% p.a. with terms typically 24–48 months matched to refresh cycles.
What we finance
- Laptops, desktops and monitors
- Servers and storage
- Networking (switches, firewalls, access points)
- AV, conference room and video systems
- Point-of-sale (POS) and kitchen display systems
- Security cameras and access control
At a glance
| Typical structure | Operating lease (popular for refresh cycles) or hire purchase |
| Indicative rate | From ~7.6% p.a. (prime borrower) — subject to credit |
| Typical term | 24–48 months (matched to refresh cycle) |
| Typical max finance | Up to 100% on new from a recognised supplier |
Indicative only. Actual offers depend on lender credit assessment, the asset, deposit and your business profile. All applications subject to lender credit approval.
Lenders we typically match
Subject to each lender's credit assessment. Not all lenders quote on every enquiry.
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