Heartland Bank Business Loans (NZ)
NZX-listed NZ bank (RBNZ-licensed). SME offering is asset-finance-led across 6 equipment categories — secured against the asset being financed.
About Heartland Bank
- Legal entity
- Heartland Bank Limited
- Brand family
- Heartland
- Primary website
- https://www.heartland.co.nz
- Notes
- NZX-listed NZ-registered bank (RBNZ-licensed). SME offering is asset-finance-led: loans secured against the asset financed (transport, civil construction, materials handling, manufacturing, agriculture, helicopter). Relationship-manager-led model.
Asset and Equipment Finance(Heartland Bank)
data confidence: inferredHeartland Bank's umbrella SME asset-finance product. Lends against the asset being financed across six categories: transport (truck + trailer), civil construction, materials handling, manufacturing, agriculture, and helicopter finance. Bank-regulated (RBNZ); relationship-manager-led; specific limits + rates per-quote.
- Security
- asset secured
- Advertised funding speed
- Relationship-manager-led; specific turnaround not advertised. Bank-style credit assessment applies.
- Interest rate disclosure (per quote, not publicly advertised)
- Heartland Bank does not publish a headline interest rate for Asset and Equipment Finance. Lending criteria, terms, fees and charges set per-application via the relationship-manager channel.
- Fees
- note: No public fee schedule on the landing page. 'Our lending criteria, terms and conditions, fees and charges will apply' — confirm at quote stage.
Source: https://www.heartland.co.nz/asset-finance · capture: html-capture-2026-05-18
All figures sourced from the lender's own published page or PDS at the date shown. Confirm specific quotes with Heartland Bank directly — pricing is per-application.
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Heartland is bank-regulated + relationship-manager-led. We can route your enquiry alongside other lenders for comparison.