Supporting your business to reach its goals
Our business loans make it easy to get the equipment you need, no matter the size or stage of your business.
We’ll help you to:
- fund whatever your business needs to grow – vehicles, tools, office renovations, equipment, machinery and more
- determine if a secured or unsecured loan is right for you
- tailor repayments to suit your cash flow
- find the best interest rate.
Secured and unsecured business loans
We offer two types of business loans, secured and unsecured, so you can choose the right loan just for you.
With a secured loan, you can borrow between $2,000 to $500,000. The loan is secured against a vehicle or other asset and we can usually offer a slightly lower interest rate.
Need money but don’t have an asset to use as collateral? An unsecured business loan could be right for you. With our unsecured loans, we can lend between $2,000 to $30,000 for just about anything.
Talk to your local MTF Finance lending specialist about the right option for you and your business.
We lend to people, not products
Our team works closely with you to understand your business, your needs and how we can help you grow. At MTF Finance, you’ll be working with one local, dedicated specialist so we can get your finance sorted in an afternoon, while a bank might keep you waiting for days. We’re in your community and we’re passionate about helping your business do more.
Same-day or better turn around
Apply in person with proof of your identity, address, and financial situation, and we can usually give you an answer within the hour. Otherwise, we aim to give you an answer on the same day.
Local kiwis helping local kiwis do more.
The local lending specialists at MTF Finance will get you sorted with a loan that's right for you.
After you’re approved
We'll guide you through the loan contract, help you understand your rights and obligations, then ask you to sign it.
If you have any concerns or questions about your loan agreement, seek advice from your lawyer or accountant before signing.
What we offer
We offer loans and flexible leases if your business needs vehicles or equipment. Let one of your local lending specialists find the right solution for you.
| Business loan | Operating lease | Finance lease | |
|---|---|---|---|
| Ownership | |||
| At the end of the contract | yes | no | no |
| Residual value liability | yes | no | yes |
| Goods | |||
| Can be new or used | yes | no | yes |
| Recorded on your balance sheet | yes | no | yes |
| Interest | |||
| Fixed rate for full term of contract | yes | yes | yes |
| Calculated on GST inclusive price | yes | no | no |
| Calculated on GST exclusive price | no | yes | yes |
| Tax benefits for business | |||
| Interest and depreciation deductible | yes | no | no |
| Interest and principle are deductible | no | yes | no |
| GST | |||
| Calculated on cost of goods | yes | no | yes |
| Risk protection | |||
| Comprehensive insurance (required) | yes | yes | yes |
| Mechanical breakdown insurance (optional) | yes | no | yes |
| Payment waiver (optional) | no | no | no |
| Term | |||
| Minimum - maximum | 3 - 60 months | 6 - 45 months | 46 - 48 months |
All your wishes could be about to come true!
When you take out a loan before 1 December 2024, you'll go in the draw to win $5,000 cash. Competition terms and conditions apply. Offer of finance is subject to terms, conditions, lending criteria, responsible lending inquiries and checks.
Why choose us
Why our customers trust us to help them to do more.
We’re here for you
Service and support from your local team, tailored to you from start to finish.
Same-day approval
We can usually let you know how much you’re approved for on the same day you apply, subject to responsible lending inquiries and checks.
Locals backing locals
We’re local New Zealanders, and we live and work in your community. A local understanding goes a long way.
We take the stress out of finance
Online or over the phone, we’ll guide you through your options to select what’s best for you.
We're the top-rated finance company on Trustpilot
With over 11,000 customers giving us 4.9 out of 5.
Read our reviewsBusiness vehicle loans
Keep your business moving with finance for trucks, cars, utes, vans, tractors – you name it. With repayments tailored to your cash flow, so you can achieve business success.
Understand your business loan
Understand your rights and obligations, your loan’s interest rate and fees, and how to be a responsible borrower.
