Builder working with a saw and tape measure, outside on a cold morning

Finance to keep your business moving

From vehicles and equipment to expansion plans, MTF Finance provides tailored lending solutions backed by real people who take the time to understand your business. With 55+ local offices across New Zealand, your local lending expert is there to help move you forward.

  • Loans tailored to your business needs
  • Flexible terms and competitive rates
  • Personal service from a local team
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Explore your options

Adjust the loan amount and term to get an estimate of repayments and explore what could suit your business needs.

I want to borrow

$20,000

$2,000

$500,000

For a term of

5 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

Real people. Real lending expertise.

Behind every loan is a conversation. Meet some of the local MTF Finance experts supporting Kiwi businesses in communities across New Zealand.

Yeah Boi Souvlaki
Customer Story
Rhys Pocklington
Owner, MTF Finance Carlton Corner
Ashley & Simon
Customer Story

How it works

Knowing what to expect makes things easier. Whether you apply online or talk to your local office, here’s what happens next.

Computer Mouse and Person

Start your application

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Getting started is simple. We’ll ask for some basic details about you and what you’re looking to finance. You’ll need to provide ID and some documents to help us understand your situation.

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We’ll review your options

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Your local lending expert will look at your situation, answer your questions, and help you explore finance options that may suit your plans and budget.

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Move forward with confidence

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If everything stacks up, we’ll guide you through the next steps so you know what to expect and pay the approved funds into your account.

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Let's get you moving

Whether you’re ready to apply or just want to talk through your options, your local MTF Finance team is here to help.

FAQ Mobile

Business lending, explained

Business lending can feel complex, especially when every lender works differently. Here are some of the questions we’re most commonly asked by Kiwi business owners.

Business finance can be used for a range of purposes, whether you’re investing in equipment, upgrading vehicles, purchasing stock, expanding your operations, or backing the next stage of growth in your business. If you’ve got a plan and want to explore your options, our local lending experts can help you work through what might be possible.

Loan amounts typically range from $2,000 to $500,000, depending on your circumstances, the type of lending you need, and what we’re confident you can comfortably structure repayments around.

That depends on the type of lending and your circumstances. Some business lending is secured against an asset, while other options may not require security. Your local lending expert can talk you through what might be the right fit.

Timing depends on the complexity of your application and the information required, but our goal is always to keep things moving and communicate clearly throughout the process.

Yes. MTF Finance works with self-employed people and business owners across New Zealand. We’ll look at your situation, what you’re looking to achieve, and the information available to help assess what lending options may suit. You can apply online or talk to your local office if you’d like to work through your options first.

This will vary depending on your situation, but generally we’ll need some information about you, your business, and what you’re looking to finance. If you’re unsure, your local MTF Finance expert can talk you through what’s needed.

Yes. One of the things that makes MTF Finance different is that you can work directly with a local lending expert who takes the time to understand your business and what you’re trying to achieve. With 50+ local offices across New Zealand, help is always local to you.

Because business lending isn’t one-size-fits-all. MTF Finance combines local relationships with national scale, giving you access to lending expertise from real people who understand your community and take the time to understand your business.