Quick answer
Trades asset finance funds the day-to-day kit a NZ tradie needs to run a business — utes and vans, tool packages, scaffolding, generators, compressors, ladders, hardware and small plant. Most trades finance is hire purchase or chattel mortgage on individual assets, with terms 36–60 months. Up to 100% finance is available for established businesses on new vehicles and tools from a recognised supplier, with conditional approval typically in 1–2 business days. Indicative rates from ~7.6% p.a. for prime borrowers.
What we finance
- Trade utes and vans (Hilux, Ranger, Hiace, Transit)
- Tool packages and kits (Milwaukee, DeWalt, Makita, Festool)
- Scaffolding and ladders
- Generators, compressors, welders
- Trailers (general purpose, plant, tipping)
- Workshop fit-out and benches
At a glance
| Typical structure | Hire purchase or chattel mortgage on individual assets |
| Indicative rate | From ~7.6% p.a. (new, prime borrower) |
| Typical term | 36–60 months |
| Typical max finance | Up to 100% on new from a recognised dealer/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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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.