Equipment Finance
Spread the cost of vehicles, machinery, and business equipment with a loan tailored to your needs.
$5k – $500k
Finance range
Up to 5 years
Loan terms
Loans
Flexible structures
4–48 hrs
Typical approval
Keep cash in the business, not tied up in equipment
Even if you have the cash available, it doesn't always make sense to buy equipment outright. Equipment finance lets you spread the cost over time so you can preserve working capital and invest it where it matters most.
CFI offers flexible equipment finance with loans (chattel mortgage) structured to suit your business and tax situation.
What can you finance?
From hospitality fit-outs to work vehicles, CFI finances all types of business equipment.
Hospitality equipment
Ovens, refrigeration, coffee machines, and complete commercial kitchen fit-outs.
Vehicles & fleet
Work vehicles, vans, trucks, and fleet financing for your team.
Fitouts & refurbs
Complete store fitouts, refurbishments, and retail equipment packages.
IT & specialist
Computers, POS systems, gym equipment, and custom-made machinery.
How it's structured
We offer flexible equipment finance structures to suit your business and tax situation.
Loan (Chattel Mortgage)
You own the equipment from day one. A chattel mortgage is a straightforward loan secured against the asset — ideal when you want ownership and potential tax benefits.
- Own the equipment from the start
- Fixed repayments over 3–5 years
- Potential to claim GST credits and depreciation
How it works
Choose your equipment
Pick the equipment you need from any New Zealand supplier.
Apply online
Complete our simple application — it only takes about 10 minutes.
Get funded
Once approved, we pay your supplier directly so you can get started.
What you'll need
New Zealand Business Number (NZBN)
A quote or invoice from your equipment supplier
A New Zealand resident or permanent visa holder
Basic financials — we'll guide you through what's needed
Don't have all of this yet? That's OK — talk to us and we'll help you work it out.
Why finance your equipment?
Preserve cash flow
Align the cost of equipment with the revenue it generates — keep cash in the business where it counts.
Flexible options
Choose a loan structure that suits your business and asset needs.
Ownership at the end
Own your equipment from day one with a straightforward loan secured against the asset.
The process was simple and straightforward, the application was completed online with a few simple clicks and I received an instant quote on the day of the inquiry. Approval was received within 24 hours and funds were paid within 24 hours of the invoice being received.
— Cattia, Motel Owner, WA
Common questions
Can I finance equipment from any supplier?
Yes. Simply choose the equipment you need from any New Zealand supplier, and we'll work with them directly to arrange payment once your finance is approved.
Do I need a deposit?
Not always — it depends on the equipment, the amount, and the finance structure you choose. Talk to us and we can give you a clearer picture based on your situation.
How long does approval take?
Most applications are assessed within 24–48 hours. Once approved, we pay your supplier directly so you can get started as quickly as possible.
Can I finance a complete fitout, not just individual items?
Absolutely. CFI regularly finances complete fitout packages including equipment, fixtures, and installation costs as a single finance facility.
More questions? See our full FAQ or get in touch.
Ready to get started?
Apply for equipment finance online — it takes about 10 minutes.