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 $100,000. 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.

Guardian Guy and the team at MTF Finance

You take care of business. They’ll take care of you!

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.

Compare your options
  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 - 48 months 6 - 45 months 46 - 48 months

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.

Rated excellent on Trustpilot

We're the top rated finance company on Trustpilot

With over 4,000 customers giving us 4.9 out of 5.

See our reviews on Trustpilot