Asset-Based Loan Quotes NZ

Compare free, no-obligation asset-based loan quotes from New Zealand bank and non-bank lenders in one place.

How our asset-based loan quotes work

Tell us about the asset you intend to borrow against (residential or commercial property, plant, equipment or business receivables) and the purpose of the funds. We pass your enquiry to qualified advisers and specialist lenders who can return indicative quotes covering rate, loan-to-value ratio, term, fees and any covenants.

The service is free and there is no obligation to take out a loan after you see the indicative terms.

What you need to provide

  • Description and estimated value of the asset offered as security
  • Amount of funding required and proposed loan term
  • Purpose of the funds (e.g. working capital, acquisition, bridging)
  • Borrower entity details (individual, company, trust) and a high-level financial picture
  • Contact details so a lender or adviser can confirm the indicative terms

Why use MoneyGuru

Asset-based lending sits across banks, second-tier lenders and private credit providers, each with very different appetites. MoneyGuru connects you with advisers who know which lender is likely to entertain your structure, helping you avoid wasted applications and steep declines.

There is no consumer fee and you decide whether to proceed with any lender.

Common questions

What assets can I borrow against?

Common security includes residential or commercial property, vehicles and plant, business equipment, and in some cases inventory or accounts receivable. The adviser can match the asset class to the right lenders.

How quickly can funds be drawn?

Specialist lenders can move in days for straightforward property-backed deals, while banks typically take longer. Timing depends on valuation, legal and the quality of supporting information you can provide.

Are rates higher than a standard mortgage?

Asset-based loans, particularly short-term or non-bank facilities, usually price above standard residential mortgage rates because they accept faster turnarounds and more complex deals. The quotes will show the all-in cost so you can compare.