{
  "vertical": "business-lending",
  "insurer": {
    "slug": "heartland",
    "name": "Heartland Bank",
    "brand_family": "Heartland"
  },
  "product": {
    "slug": "asset-and-equipment-finance",
    "name": "Asset and Equipment Finance",
    "status": "active",
    "positioning_summary": "Heartland 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."
  },
  "wording": {
    "version": "html-capture-2026-05-18",
    "ingested_at": "2026-05-18T00:42:46.56398+00:00",
    "pdf_hash": "a6eaacefa9352f57f4d8ee35917c0b217ccb9fad334185dc6ba6c7ffcc45a55a",
    "source_url": "https://www.heartland.co.nz/asset-finance",
    "page_count": null
  },
  "confidence_tier": "inferred",
  "facts": {
    "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."
    },
    "capture_note": "Live heartland.co.nz fetched directly. Page is JS-heavy; structured facts limited because Heartland's relationship-manager-led model doesn't publish product specifics on web pages.",
    "max_loan_nzd": null,
    "min_loan_nzd": null,
    "security_type": "asset_secured",
    "capture_method": "live",
    "max_term_months": null,
    "min_term_months": null,
    "rate_disclosure": {
      "kind": "per_quote",
      "text": "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.",
      "source_url": "https://www.heartland.co.nz/asset-finance"
    },
    "asset_categories": [
      "transport (truck + trailer)",
      "civil construction equipment",
      "materials handling equipment",
      "manufacturing equipment",
      "agriculture equipment",
      "helicopter"
    ],
    "security_options": [
      "asset being financed",
      "existing unencumbered assets"
    ],
    "origination_model": "relationship_manager_led",
    "repayment_options": [
      "variable — set per quote"
    ],
    "min_trading_months": null,
    "bank_regulatory_status": {
      "parent": "Heartland Bank Limited",
      "nzx_listed": true,
      "rbnz_licensed": true
    },
    "min_monthly_revenue_nzd": null,
    "funding_speed_advertised": "Relationship-manager-led; specific turnaround not advertised. Bank-style credit assessment applies."
  },
  "endpoints": {
    "summary": "/api/business-lending/product/heartland/asset-and-equipment-finance/summary.md",
    "wording": "/api/business-lending/product/heartland/asset-and-equipment-finance/wording.md",
    "history": "/api/business-lending/product/heartland/asset-and-equipment-finance/history.json"
  },
  "canonical_url": "https://insurenz.co.nz/api/business-lending/product/heartland/asset-and-equipment-finance/facts.json",
  "generated_at": "2026-05-18T08:38:03.937Z",
  "license": "CC BY 4.0 — attribute https://insurenz.co.nz"
}