Plant And Equipment Loans

Fund the equipment your business needs now.

What does your business need? We can help fund yellow goods bobcats, company vehicles, tractors, agricultural implements, cranes, forklifts and manufacturing equipment - even 3D printers, CNC machines and other tools.

Get started with our 3 minute application

I would like to borrow:


Here's how it works


Complete the easy online application anytime, anywhere.


In just a few seconds we'll get back to you with a decision.


If approved, the money could be in your account in a matter of days.

Get started

What we offer

Borrow against new or used goods.

100% finance available. We’ll work to suit your cash flow with seasonal payment structures and flexible terms of up to 5 years. We can even fund GST if needed.

A decision in seconds.

Applying online is easy and we’ll get back to you quickly to let you know if your loan’s approved. We can then have the money in your account in a matter of days, so you can get on with your plans quick smart.

No need to change your bank.

And no need to mortgage your home. Our fast and flexible finance works alongside your everyday banking to give you the freedom to manage your finances to suit your plant & equipment needs.

What our customers say

"The online application was easy ... It's great finding a bank that walks the talk and is there to help entrepreneurs like us."

Richard Liew

Founder of NZ Entrepreneur,
Open for Business customer

Why choose Heartland?


businesses funded, and counting

$ 25 million

made available to small businesses

25 years

experience managing Kiwis' money

Get started with our 3 minute application.

I would like to borrow:


Questions? We have answers

Our secured rates start from 8% (p.a.), however this rate can vary depending on a range of factors. Once you have completed the online application our lending specialists will discuss interest rates and repayments with you.
We don’t take residential property as security; we will look to use business assets instead such as vehicles or machinery as security.
We usually require a copy of the business financial statements to assess a loan application. If the application is successful we will require some additional supporting information such as identification.
Every start-up will have unique requirements which means we need to take into account the different circumstances of every application. Please give us a call to discuss your loan as you won’t be able to get an automated decision.
The minimum business loan application is $10,000. There is no maximum; however we will require additional information for any loan above $75,000.
Of course! Though it’s worth noting that if you are starting a business we will request a business plan, cash flow projections and 3 months of personal bank statements.
Unsecured loans have a max term of 60 months. However this is dependent on meeting our lending criteria. Secured loans have a max term of 5 years but can go up to 7 years in certain circumstances.
Yes you can, just complete our online application and our business lending specialist will get in touch with you to discuss your best options.
Once your application is approved, we need to verify the information you provided and conduct any additional credit checks that may be required. We’ll talk to you about the loan terms and rate, the loan funds will then be paid to your nominated bank account.
The online application takes around 3 minutes to complete.

Prefer to talk directly to one of our business specialists?

Chat with Heartland

Chat online

with one of our team

Lending criteria, terms, conditions and fees apply.