Business loans for big ambitions.

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Your local money experts for business lending

We know that small businesses keep the country ticking, so we're proud to play our part in helping them do their thing. From tools to tech, to fleets and more, if you bring the dream, we'll bring the dollars.

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Assets & equipment
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Business Fleet
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Inventory
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Fit-outs and renos
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Business expansion

Start with confidence

Explore your options and even start your application - with no impact on your credit score.

I want to borrow

$15,000

$2,000

$100,000

For a term of

4 years

6 months

5 years

I'll repay

Estimated repayments

$0

/ fortnightly

Estimated interest rate from: 0.00%

My credit history is

Total to repay: undefined

Rates & fees

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Supporting your business to reach your goals

Our team works closely with you to understand your business and what it needs. Whether that's a loan, a lease or a listening ear, we're a partner who's invested in your success.

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What type of business loan is right for you?

Secured loans use assets like vehicles or equipment as security, often allowing larger amounts or sharper rates. Unsecured loans don’t require assets, giving you faster, more flexible access to funds. With MTF Finance, you can choose the option that best supports your business goals and situation.

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Get moving, faster

Start online or give us a call - whatever suits you. Your local MTF Finance team reviews your application and gets the conversation started, with a swift decision to follow.

Protect yourself from the unexpected

Payment waiver

When life throws you a curveball like redundancy, illness or even death, our payment waiver has you covered. Think of it as extra peace of mind for those ‘what if’ moments.

Business insurance

We are all about trust here at MTF. And when it comes to protecting your assets, we trust AMI to do the right thing. Talk to your local money expert about AMI insurance, because our customers get great rates and priority service.

Don't just take our word for it

Hear what thousands of happy MTF Finance customers have to say.

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Understand the fine print

We want you to know what you’re signing up for. Learn about your rights and obligations, your loan’s interest rate and fees and how to be a responsible borrower.

What you need to apply

To help make the process quick and easy, it's worth having the below on hand when you start your application. All decisions are subject to responsible lending inquiries and checks.

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Proof of identity and 18+

We’ll need a valid New Zealand driver licence or passport to confirm your identity and at least 18 years of age, and help protect you from fraud.

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Proof of address

A recent document showing your current address helps us confirm where you live and meet our responsible lending obligations.

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Proof of regular income

Recent bank statements allow us to understand your income and everyday expenses, so we can make sure any loan offered is affordable for you.

Ready to go?

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Frequently asked questions

If you’re a New Zealand resident or visa holder over 18 years of age, hold a valid New Zealand driver licence and have regular income, you can apply for finance with us.

A business loan can help you invest in the things your business needs to operate, grow or take its next step. You could use business finance to purchase assets, machinery, tools or equipment, buy business vehicles or expand your fleet, purchase inventory or stock, complete a commercial fit-out or renovations, or fund business expansion. Every business is different, so we’ll take the time to understand what you’re planning and talk through the finance options available. The lending structure and any security required will depend on your circumstances and what you’re borrowing for.

If you apply in person with supporting documentation, we can often transfer funds to you on the same day that the loan is completed. If it is for a vehicle purchase, we can also arrange to send the funds directly to the seller on your behalf.

You may borrow from $2,000 to $500,000 as long as you have sufficient security to support the loan and we’re confident you can manage the repayments.

If you’re a business customer, you may be able to claim GST on the principal portion of each instalment, the interest portion of your payments may be tax deductible. The vehicle is recorded on your balance sheet, so you can also claim depreciation.

If you apply in person, and bring the documents we need to do our eligibility checks, we can usually give you an answer on the spot.

We’ll talk through the loan document, make sure you understand your rights and obligations under the contract and then ask you to sign it. If you have any concerns or queries regarding the obligations you are

No. The interest rate and all fees are set out in the loan agreement you sign at the beginning of the loan term.