Heavy Machinery Finance New Zealand.
Cranes, excavators, forklifts, agricultural equipment and more.
| 7.45% Rates from (p.a.)* |
75+ NZ & AU Lenders |
5★ 364+ Reviews |
2x Broker of the Year |
Finance the Heavy Machinery That Moves Your Business.
Broker of The Year
2021 & 2022
5 Star Rating
From 364+ Customers
Heavy Machinery Finance, Simplified
Whether you're a contractor buying your first excavator, a logistics company expanding a crane fleet, or a farmer replacing aging agricultural equipment, the right machinery finance deal can make or break your cash flow.
Rostron Finance takes the hard work out of finding the right loan. We search across 75+ lenders in New Zealand and Australia, negotiate on your behalf, and get you a structure that works for your business, not just the bank.
We finance new and used heavy machinery, plant equipment, industrial assets, and commercial vehicles. If it's a business asset, there's a good chance we can fund it.
We Serve Every Industry That Relies on Heavy Equipment
- Civil Construction
- Earthmoving & Excavation
- Agriculture & Farming
- Forestry & Logging
- Crane & Lifting Services
- Transport & Logistics
- Manufacturing
- Warehousing & Distribution
- Mining & Quarrying
- Roading & Infrastructure
- Utilities & Drainage
- Horticulture
- Renewable Energy
- Waste Management
We Finance All Types of Heavy Machinery
From a single piece of plant to an entire fleet, our lenders understand commercial assets. Here's what we regularly finance across New Zealand:
Cranes & Lifting Equipment
Tower cranes, mobile cranes, crane trucks, gantry cranes, telehandlers, and overhead lifting systems for construction and manufacturing.
Excavators & Earthmoving
Hydraulic excavators, mini excavators, bulldozers, graders, rollers, and wheel loaders for civil construction and earthworks projects.
Prime Movers & Trucks
Prime movers, semi-trailers, tipper trucks, flatbed trucks, chiller trucks, and heavy transport vehicles for freight and logistics.
Industrial & Factory Plant
Manufacturing machinery, CNC equipment, conveyor systems, factory fittings, and industrial processing equipment across all sectors.
Agricultural Equipment
Tractors, harvesters, hay balers, sprayers, irrigation systems, and specialist farm machinery for New Zealand agriculture and horticulture.
Forklifts & Warehousing
Counterbalance forklifts, reach trucks, order pickers, pallet jacks, and container handlers for logistics, distribution, and warehousing operations.
Concrete & Drilling Equipment
Concrete pumps, concrete mixers, road pavers, drilling rigs, augers, and vacuum excavators for civil and utility construction.
Forestry & Logging
Feller bunchers, skidders, forwarders, haulers, harvester heads, and processing equipment for NZ's forestry and timber industry.
Sustainable Energy Equipment
Solar arrays, battery storage systems, wind equipment, and renewable energy plant for commercial and industrial applications.
Choose the Right Finance Product for Your Machinery
Chattel Mortgage
You own the machinery from day one. The loan is secured against the asset. Suited to GST-registered businesses wanting to claim depreciation and input tax credits upfront.
Most Popular
Commercial Hire Purchase
Use the equipment while making regular repayments. Ownership transfers to you at the end of the term. Payments are fixed, making budgeting straightforward.
Fixed Payments
Finance Leasing
The lender owns the asset during the lease term and you make regular payments. At the end you can purchase, extend the lease, or return the equipment. Keeps the asset off your balance sheet.
Off-Balance Sheet
Machinery Refinancing
Already own machinery outright or on an existing loan? Refinancing can release working capital tied up in your assets or secure a better rate on an existing facility.
Release Capital
🧩 New and used machinery funded
Unlike some lenders, we can arrange finance on second-hand and older equipment. Age and condition are assessed case by case so you're not automatically ruled out.
Quick Application in
4 Easy Steps.
Instant Finance Pre-Approval with no impact on your credit score.
Quick Calculator
Instantly calculate your loan options with our smart online calculator
Real Quote
Instant Finance Pre-Approval with no impact on your credit score.
Instant Preapproval
Our powerful lender matching engine will match you with suitable lenders.
Apply to Lender
The fastest ever finance experience! Rostron’s Quick Apply supports direct-to-lender submissions
More Lenders. Faster Approvals. More Options.
🔍We shop 75+ lenders for you
Instead of going cap in hand to one bank, we compare dozens of specialist lenders simultaneously to find the sharpest rate and best structure for your asset type and situation.
⚡Fast approvals, less paperwork
Pre-approval with no credit score impact, same-day decisions in most cases, and settlement within days. You don't lose the deal waiting on a bank.
Why Rostron - NZ's Trusted Machinery Finance Broker
Hundreds of New Zealand businesses have financed their equipment through Rostron Finance. Here's why they keep coming back.
Broker of the Year 2021 & 2022
Nationally recognised for excellence in commercial finance, with a 5-star rating across 364+ verified client reviews.
75+ Lenders in One Place
We don't push you toward one bank. We search across our entire network to find the lender whose appetite matches your asset type and financial profile.
New and Used Machinery
Unlike some lenders, we can arrange finance on second-hand and older equipment where banks often won't go. Age and condition are assessed case by case.
Fast Turnaround
Pre-approval with no credit impact, same-day decisions in most cases, and settlement within days. You don't lose the deal while waiting on a bank.
New Zealand Focused
Based in NZ with lenders who understand the local market. Whether you're in Auckland, Wellington, Christchurch, or a rural region, we cover the whole country.
Customised Structures
We match the finance product to your tax position, ownership preference, and cash flow. Whether it's a chattel mortgage, hire purchase, leasing, or refinancing, we find the right fit.
It’s kinda hard not to love us
“Rostron helped throughout the whole process of financing my car and also helped with insurance.”
Hannah Clare
“I had the confidence I was getting the best deal. Rostron provided a really simple & smooth process”
Ryan Lee, Kerdic Homes Pty Ltd
Our experience with ROSTRON has been incredible!
This is the first time I have used any external finance broker for any sort of loan. I was always skeptical of using external companies and always preferred to deal directly with banks. But I can definitely say Rostron Finance...
Exceptional Service at Rostron Finance!
Massive thank you to Alexander! The customer service through the entire process of buying a new car has been incredible. Alexander was open, honest and so helpful, you felt like he was going above and beyond to help you. You didn’t feel like just another sale, like how some dealerships make you feel. Honestly ask for Alexander to help you with your finance!
Navigating Financial Solutions with Rostron!
Thank you Hamish from Rostron for absolutely amazing customer service and wealth of knowledge in sorting out our business car loan. Exceptionally fast responses to all our inquiries, attention to detail in preparing our documents, very knowledgeable approach. We dealt with Rostron Finance few times now and each time service exceeds our expectations.
A Five-Star Experience with Rostron's Professional Team!
I had a fantastic experience with Hamish in sorting out my loan for my car. Every question I could think of had an answer, if I had an alternate suggestion, he would hear me out and we would work from there.
Legitimately, I can't sing his praises high enough, and by extension, the company as well.
Exceptional Solutions at Rostron Finance!
I found Rostron Finance via a random google search and it had me intrigued as to why so many great customer experiences (especially with a person named Harrison). Funnily enough, my contact WAS Harrison and from my first contact with him it gave me insight as to why all the brilliant reviews. I can easily say that Harrison's service, attitude, knowledge, expertise and genuine time is first class. Although we didn't get the result we wanted, Harrison went above and beyond. It made the whole experience just that better.
Thank you Harrison, you are a gem!
Top Notch Service with Rostron Finance!
Excellent service from Rostron! Patrick was super helpful and very efficient. From the initial application through to settlement, which only took a couple of days, Patrick was great to deal with. Highly recommend!
Secure Your Future Today
With our comprehensive insurance cover, peace of mind is just a policy away.
Comprehensive Insurance
Comprehensive insurance, refers to a comprehensive coverage policy that offers extensive protection across various domains. It is a type of insurance designed to provide all-encompassing financial security in specific areas, such as health, property, or business. Comprehensive insurance typically covers a wide range of risks and scenarios, ensuring policyholders are well-prepared for unexpected events and potential losses.
Shortfall Gap Cover
Shortfall Gap Cover (Also known as GAP) covers you in the event that your vehicle is written off. Gap cover is recommended for anyone that is financing a large portion, if not all, of their vehicle and is taking out comprehensive insurance. Speak to one of our Rostron Finance specialists about the different covers, exclusions and maximum claim limits before making a decision if this is right for you.
Loan Protection
Protect yourself from missing a payment and damaging your credit history. We understand that taking out a new loan can be a big commitment for some people and if something was to happen to you it could put you into financial hardship. Speak to one of our Rostron Finance specialists about Loan protection today.
Mechanical Breakdown Insurance - Commonly referred to as (Extended Warranty)
Navigate the roads with confidence, knowing that Rostron Finance Motor Vehicle Breakdown Insurance has you covered. Whether it's a sudden engine hiccup or a flat tire, our comprehensive coverage ensures you'll never be stranded, offering a reassuring layer of financial protection for your automotive journeys.
Common Questions About Machinery Finance in NZ
You can finance almost any commercial or industrial machinery, including cranes, excavators, bulldozers, forklifts, agricultural equipment, prime movers, trailers, earthmoving equipment, concrete pumps, and industrial plant. Both new and used machinery are eligible.
Loan amounts vary depending on the asset value, your business financials, and the lender. Rostron Finance works with 75+ lenders to find the right loan size and structure for your situation, from smaller equipment purchases through to large-scale fleet acquisitions.
Yes. Many of our lenders provide finance for used and second-hand machinery. The age, condition, and type of equipment will influence the terms and lenders available to you. Speak to a broker for an honest assessment of your options.
With a chattel mortgage, you own the machinery from day one and the loan is secured against it. With a finance lease, the lender owns the asset during the lease term and you make regular payments, with an option to purchase at the end. The best structure depends on your tax position and cash flow needs. We'll help you work out which suits your situation.
Rostron Finance offers instant pre-approval with no impact on your credit score. Full approval can typically be completed within 1 to 5 business days depending on the lender and the complexity of the application.
Rates start from 7.45% p.a. (indicative). The rate offered will depend on your credit profile, loan amount, asset type, loan term, and the lender matched to your application. Use our online calculator for an instant estimate.
Yes. Some lenders on the Rostron network work with newer businesses and start-ups. The criteria and available rates may differ from established businesses. Speak to a Rostron broker to explore what's available for your situation.
Deposit requirements vary by lender, asset type, and loan amount. Some lenders offer 100% finance on certain assets. A deposit can, however, improve your rate and the range of lenders willing to fund your application. Your broker will walk you through the options.
