> _Markdown transcription of Heartland Bank Asset and Equipment Finance policy wording, effective html-capture-2026-05-18. Source: https://www.heartland.co.nz/asset-finance_ --- # Heartland Asset and Equipment Finance (NZ) Source: https://www.heartland.co.nz/asset-finance Common questions: https://www.heartland.co.nz/asset-finance/common-questions Captured: 2026-05-18T00:42:46.379Z SHA-256: a6eaacefa9352f57f4d8ee35917c0b217ccb9fad334185dc6ba6c7ffcc45a55a ## Headline Heartland's umbrella SME asset-finance product. Loans secured against the asset being financed. Bank-regulated (NZX-listed; RBNZ-licensed). ## Categories (sub-products) - Transport (truck + trailer) finance - Civil construction equipment finance - Materials handling equipment finance - Manufacturing equipment finance - Agriculture equipment finance - Helicopter finance ## Security model ASSET-secured — the asset being financed is the lender's security. Existing unencumbered assets (not already pledged) may be used to secure new lending. ## Pricing Per-quote. No published headline interest rate; lending criteria + fees + charges set per-application. Bank-style assessment with relationship-manager-led origination. ## Term Variable — Heartland's published guidance: "a longer loan term means smaller monthly repayments, but total interest will increase". ## Application Relationship-manager-led. Apply / enquire online and a Heartland Asset Finance relationship manager calls back.