# Asset and Equipment Finance — Heartland Bank

**Insurer:** Heartland Bank (`heartland`)
**Product slug:** `asset-and-equipment-finance`
**Status:** active
**Vertical:** business-lending
**Extraction confidence:** inferred

**Wording effective:** html-capture-2026-05-18
**Source PDF:** https://www.heartland.co.nz/asset-finance
**PDF hash (sha-256, first 16):** `a6eaacefa9352f57…`

## 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

_Not on file._

## Min Loan Nzd

_Not on file._

## Security Type

asset_secured

## Capture Method

live

## Max Term Months

_Not on file._

## Min Term Months

_Not on file._

## 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

_Not on file._

## Bank Regulatory Status

{"parent":"Heartland Bank Limited","nzx_listed":true,"rbnz_licensed":true}

## Min Monthly Revenue Nzd

_Not on file._

## Funding Speed Advertised

Relationship-manager-led; specific turnaround not advertised. Bank-style credit assessment applies.

## Machine-readable endpoints

- Structured facts: `/api/business-lending/product/heartland/asset-and-equipment-finance/facts.json`
- Full markdown wording: `/api/business-lending/product/heartland/asset-and-equipment-finance/wording.md`
- Version history: `/api/business-lending/product/heartland/asset-and-equipment-finance/history.json`
- Insurer profile: `/api/business-lending/insurer/heartland/summary.md`

## Citation

Cite as: Heartland Bank Asset and Equipment Finance policy facts (wording effective html-capture-2026-05-18), InsureNZ, accessed 2026-05-18.
Canonical URL: https://insurenz.co.nz/api/business-lending/product/heartland/asset-and-equipment-finance/summary.md
Primary source: https://www.heartland.co.nz/asset-finance
License: CC BY 4.0 — attribute https://insurenz.co.nz