Skip to main content
A AssetFinance.nz Get matched

Industry finance

Asset finance for NZ hospitality.

Get matched in 60 seconds

Quick answer

Hospitality asset finance funds the kit needed to run NZ cafes, restaurants, bars, takeaway shops and food trucks — commercial kitchen equipment, refrigeration, coffee machines, ovens and ranges, POS, dishwashers, ventilation, bar equipment and fit-out. Most NZ hospitality finance is hire purchase or chattel mortgage on itemised supplier invoices, with terms 36–60 months matched to lease term and useful life. Specialist non-bank lenders are generally more comfortable than banks with newer or owner-operator hospitality businesses. Indicative rates from ~7.6% p.a.

What we finance

  • Commercial kitchen — ovens, ranges, fryers, grills, prep tables
  • Refrigeration — walk-ins, display fridges, freezers, ice machines
  • Coffee machines (La Marzocco, Slayer, Synesso) and grinders
  • Dishwashers, glasswashers, sanitisers
  • Point-of-sale, EFTPOS, kitchen display systems
  • Cafe and bar fit-out — joinery, lighting, seating

At a glance

Typical structureHire purchase or chattel mortgage on itemised invoices
Indicative rateFrom ~7.6% p.a. (prime borrower)
Typical term36–60 months matched to lease and useful life
Typical max financeUp to 100% on new from a recognised supplier (established business)

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

UDC Finance
Heartland Bank
Avanti Finance

Subject to each lender's credit assessment. Not all lenders quote on every enquiry.

Get an indicative quote

Tell us about the asset and your business — we'll match you to NZ lenders most likely to fund it.

Start the match

Related

Transport Finance

Transport and logistics is the highest-volume asset finance category in New Zealand — trucks, prime movers, trailers, vans, refrigerated units and supporting plant.

Construction Finance

Construction and civil is the second-largest NZ asset finance segment, covering excavators, loaders, dump trucks, cranes, telehandlers, prime movers, utes and supporting tools and equipment.

Frequently asked questions

It depends on the lender. NZ specialist non-bank lenders (UDC, Heartland, Spinach, Avanti) are more comfortable than the trading banks with newer hospitality businesses, especially where the owner-operator has prior industry experience and the business plan, projected revenue and lease term stack up. Director guarantees and reasonable deposit are typically required.