A fixed rate of 8.99% p.a. on business asset finance with InPlace.
Get the assets you need & keep cash flow free.
Need a ute, digger or new equipment? Asset finance means you can put it to work today and pay for it as it earns. Simple, fast, and tailored for New Zealand businesses like yours.
Assets you can finance with InPlace.
Asset finance lets you get the vehicles, equipment, or technology your business needs now and pay for it over time. Keeping your cash free to run and grow.
Imagine a farmer putting a new tractor to work this season, while paying it off with the very harvest it helps bring in.
Transport
Long-haul trucks and trailers, tractor units, chiller trucks, tipper trucks, livestock trucks, delivery vans, business utes, and company vehicle fleets.
Plant & Machinery
Excavators, bulldozers, wheel loaders, graders, rollers, tracked loaders, skid steers, compactors, pavers, cranes, and other construction or civil machinery.
Agri & Forestry
Tractors, harvesters, implements, levelling machines, feller bunchers, skidders, forwarders, haulers, and complete milking systems.
Specialist & Municipal
Forestry harvesters, earthmoving plant, waste trucks, road sweepers, refuse compactors, vacuum excavators, sewer trucks, and other specialist gear.
Tech & Specialist
Medical, dental, and vet equipment, workshop and engineering tools, point-of-sale systems, IT infrastructure, commercial drones, and specialist technology.
When the work won’t wait, neither do we.
You’re In the right Place.
Jobs are booked.
Crews are ready.
Then the truck breaks down.
Or a new contract lands and you need one more digger.
You can’t pause payroll.
You can’t slow the season.
Suppliers want payment. Clients want delivery.
The cash in the bank already has a job.
That’s where finance steps in. Fast, clear, and built for how you work.
You don’t want a lecture.
You want options.
Repayments that fit your cash flow.
Straight answers on deposits and timing.
Paperwork done without the runaround.
So you keep the crew moving.
Keep your promises.
Say yes to the next job.
That’s what we do.
Why Kiwi Businesses Choose Asset Finance
(Backed by New Zealand stats and designed to give you peace of mind)
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💡 Fact: Over a third of NZ small businesses say they look for finance with lower fees and charges (36%)
With asset finance, you don’t have to empty your bank account up front. Instead, you spread the cost into manageable payments. That means you can get the truck, digger, or equipment you need now, while keeping cash free for wages, bills, and everyday expenses.
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💡 Fact: In New Zealand, many business loans require you to put your home or personal assets on the line.
Asset finance is different. In most cases, the equipment itself is the security. That means you can grow your business without risking the roof over your head.
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💡 Fact: 27% of NZ businesses choose alternative finance because it offers more flexible repayment options.
Your business isn’t static, so your finances shouldn’t be either. Asset finance can be tailored to fit your cash flow, with repayment plans that move with your business — not against it.
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💡 Fact: 81% of Kiwi SMEs worry about getting the funds they need, and 35% want faster access.
Banks can take weeks to say yes. With asset finance, approvals are often much quicker. That means you don’t miss out on opportunities — whether it’s locking in a deal, winning a contract, or grabbing the right piece of gear at the right price.
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💡 Fact: The NZ Government says investing in productive assets “drives productivity improvements and makes firms more competitive”.
The right asset today — whether it’s a new ute, machine, or specialist tool — is more than just a purchase. It’s an investment in your future growth, helping you do more, win more, and stay ahead of your competitors.
Why InPlace Asset Finance
Clear, human advice.
We speak your language and keep the process straightforward so you know exactly where you stand at every step.
Backed by Speirs Finance.
We work with Speirs Finance, a trusted NZ asset finance partner for over 50 years, helping hundreds of Kiwi businesses every month get gear on the job. Proven experience, consistent approvals, and funding you can count on.
One point of contact.
From the first conversation to settlement, you will deal with one person who knows your business and keeps things moving.
Fast approvals.
We cut through the noise and get you answers quickly so you can secure the gear you need without delay.
Local, responsive.
We are here when you need us with quick replies, tidy paperwork, and progress you can see.
Built around cash flow.
We match terms to the life of your asset and your earning seasons so repayments work for you, not against you.
