Kiwi Asset Financing Made Easy
Asset finance lending is what we do best. Here at Alternate Finance, we support and partner with aspiring business owners to fuel their commercial growth with asset financing. We lend to clients NZ wide, and we remove the impossible hoops that banks tend to make you jump through just to get a simple business loan. If, when purchasing equipment to increase productivity, it also makes sense financially, then we’re here to help as your borrowing finance partner.
Tailored Borrowing & Repayment
Over time, we establish a close relationship that allows you to pick up the phone, gain a verbal “yes” when you want to finance new equipment. This gives you the power to negotiate with suppliers as a cash buyer when. If you require asset finance to grab an opportunity that you don’t quite have the cash flow for, then Alternate can slot in as your ideal long-term partner assisting you on your journey. You may also be interested in our Venture Capital page.
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Rates
Consolidate debts with Alternate Finance, and you’ll receive up to 36 months to make affordable loan repayments. When consolidating debt, we’ll give you a low interest rate in comparison to what you’re paying currently, and we’ll roll all debt into one simple payment. The low interest rate ranges from 13.95% to 26.98% p.a.
For more details, including early repayment conditions, our loan terms and conditions, establishment fees and default interest rates, please view our rates and fees webpage by clicking here.
Terms
If you’re looking at consolidating debt with us at Alternate Finance, it’s important to get an understanding of our terms and conditions. When you apply for loans designed for consolidating debts, you’re agreeing to Alternate Finance having permission to store and collect your information. Alternate Finance will endeavour to keep all information on this website accurate and up to date, in regards to debt consolidation but if you spot any inaccuracies, please let us know in writing and we’ll rectify it within a reasonable timeframe. For further detailed information about consolidating debts, please follow this link. Alternate acts in accordance with the responsible lending code of New Zealand.
Security
Your personal information is protected with end-to-end encryption on all web forms, ensuring that your data remains secure throughout the application process. Alternate Finance treats all loan information confidentially, following strict security protocols to safeguard your details from unauthorized access.
Additionally, Alternate Finance complies with New Zealand’s privacy laws and regulations, giving you full transparency on how your data is used. Their commitment to privacy means your information is never shared with third parties without your consent.
For a full breakdown of our data protection policies, you can review our Privacy Policy, which outlines how your personal details are stored, processed, and used securely.
Did You Know?
Asset Loans Are Easy To Approve
We'll happily lend for industrial assets, such as tools, machinery equipment and work vehicles , because most of the time, they'll have a low depreciation rate. They'll also improve your business, meaning that it's likely you remain successful. Apply for your asset finance today.
We're An Ideal Finance Partner
We like to partner with businesses, giving you the ultimate negotiating power. Once you're a customer of ours, you'll get preferential finance rates for all the years you're in business, you'll get a personal relationship that allows you to call us and get immediate approvals, and if you ever limited by cashflow issues, we'll work through the problem with you to find a solution.
We Offer More Than Asset Finance
Alternate Finance has an entrepreneurial spirit, and occasionally, our CEO will consider more than simple business loans. We may look at venture capital, joint ventures or any opportunity that arises. There are many ways to fund your growth.
Easy, Alternative Lending
A bank is always going to be conservative, and in a lot of cases, if you don't tick the right boxes, no consideration is given to how brilliant your business growth plans are. Banking relationships are usually distant and impersonal, whereas, in contrast, we like to support and understand our business clients to form a trusted relationship of advice and funding that can last for years. If you're looking for leverage, an advantage, then connect with us to set up a one-on-one, confidential discussion. We happy to sign non-disclosure agreements if your planning information is sensitive.
Kiwi Asset Finance NZ-wide.
No matter where in New Zealand you are, we can help. If you're in Christchurch, you can visit our head office, or if you're elsewhere, we'll happily set up a video call or have a representative visit you to discuss your ideas and best asset financing solutions. We like the personal touch.
Get Cash Buyer Discounts.
Say you're negotiating to buy a truck, and then you ask about their truck finance rates with the salesman. You've immediately shifted the power and indicated that you don't have the best cash flow. You'll be treated accordingly and not offered the best price. However, if the salesperson senses you're a cash buyer and could purchase many trucks, it's likely you'll get preferential pricing.
Keep Your Finance Agreement Seperate
If you get asset finance through a supplier that also services your equipment, then you may find yourself in the difficult situation of not being serviced if you happen to miss payments. Alternate will work with you to get back on track. It's better to keep these things seperate so your organisation can operate without being held to ransom.
Tax Planning
In no way, shape or form do we claim to be tax advisors, but an idea to assist in tax planning could be to use our business loans to purchase equipment prior to the end of a financial year to offset some of the existing profit that you've earned. You'll need to talk to an expert, either an accountant or a financial advisor, for further information and how this can assist in cash flow.
Customers love the experience
Frequently Asked Questions
Are you a responsible lender?
Yes, we adhere to the responsible lending code of New Zealand. When choosing Alternate as your asset finance provider, you can feel confident we will provide you with the best interest rates and equipment finance agreements suited to you and your needs.
Do you offer longer term agreements?
If you have any questions, our friendly team is more than happy for you to contact us. Alternatively, view our Frequently Asked Questions.