Your Equipment Works For Your Business. Your Finance Should Work With It.

Written By Kim Manunui

A truck doesn't make money sitting in the yard. An excavator doesn't generate income parked up. And a tractor only earns its keep when it's working.

For New Zealand businesses, the right vehicle and equipment finance structure can be just as important as choosing the right asset.

Whether you're buying a new truck, replacing a fleet vehicle, upgrading machinery or adding equipment to grow the business, finance can be structured around the way the asset actually works - and the way your business gets paid.

It doesn't always have to mean starting from scratch.

If you already own vehicles or heavy equipment with substantial equity, equity release may allow you to unlock some of that value while keeping the asset working. The released funds could be used for working capital, repairs, expansion, deposits on additional equipment or simply to strengthen cashflow.

Existing finance can also potentially be refinanced or restructured. Rather than carrying repayments that put unnecessary pressure on monthly cashflow, the finance term may be extended to better reflect the asset's useful working life.

 For some businesses, that could mean spreading repayments over up to seven years, where appropriate, rather than forcing a productive asset to effectively pay for itself in a much shorter period.

 And then there's seasonality.

Farmers, contractors, transport operators, earthmovers and other businesses don't necessarily receive the same income every month. Seasonal repayment structures can potentially allow repayments to be matched more closely with periods when cashflow is stronger.

The goal isn't simply to borrow more.

It's about getting the right amount, the right structure and the right repayment profile for the asset and the business.

At Infinance, we work across vehicle, machinery and equipment finance, including purchases, refinancing, equity release and restructuring.

Your equipment is working for your business. Your finance should work with it.

For more on the above, click on the link below.

Contact us
Kim Manunui

Hi, I’m Kim and I work with a great team to help individuals, as well as small and not so small businesses get their message, product and services to the world using digital media and creating wonderful websites that don’t cost the earth.

I was born in Canada, and grew up around Vancouver and the mountains of British Columbia. My love of pristine environments led me to New Zealand and eventually to the mountains, lakes and rivers of the central North Island which is home. My family’s heritage is here, and it’s from here that Korio traverses the planet.

The digital world is never static and neither are we.

And I say ‘we’ because I work with an awesome group of talented people who I gather together as required to complete a project.  Whatever your business, not-for-profit or individual needs are we gather the best team to get the job done.

Collaboratively we are creative, share sustainable values and work hard for great outcomes because that’s the buzz of satisfaction that drives us.

If you have an audience and market to reach, we can make that happen. Creative design, words that work and smart behind the scenes stuff that cuts through the online noise. We’ll design your website and then build it. We’ll manage the content as well as all your hosting needs. We can handle your online advertising so you get noticed,
and we’ll manage your social media presence so you get the clicks, likes and engagement to grow your business. All within the budget you set, because none of this needs to cost the earth.  And the job doesn’t stop when your website goes live. We are your virtual business partner.

https://www.korio.co.nz
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