From tractors and trucks to working capital and business expansion, Commercial Finance Group helps businesses access funding that works for them.
Watch this first
01. What we finance
Finance for the Assets, Operations and Growth of Your Business.
Whether you're purchasing equipment, expanding your operation, acquiring another business or managing cash flow, we can help structure the right finance solution.
Business Acquisition & Commercial Finance
Buying a business, expanding an existing operation or funding a commercial opportunity?
Working Capital & Business Loans
Funding to manage cash flow, purchase stock, cover operating expenses or support business growth.
Agricultural Machinery
Tractors, balers, harvesters, sprayers and implements. Finance structured around your operation, including seasonal cash tlow.
Civil & Earthmoving
Excavators, loaders, rollers, attachments and other civil equipment. New or used we can help finance the gear your business needs.
Transport & Trucking
Trucks, trailers, tankers, tippers and commercial vehicles. Finance solutions for owner-operators through to established fleets.
Fit-Outs & Business Equipment
Workshop equipment, machinery, forklifts, racking and commercial fit-outs. Finance for the infrastructure your business runs on.
$10M+
Funded across assets and business lending.
NZ wide
Supporting businesses nationwide.
Multiple lenders
More options for your business.
Industry experience
We know the industries we finance.
02. Who we are
We've Done the Work. Now We Finance It.
The Commercial Finance Group wasn't built by bankers. It was built on real experience in the industries we finance.
From farming and agricultural contracting to construction, transport and machinery sales, our roots are in the industries we work with. We know what the gear does, what it costs to run, and what it means when it's parked up half the year.
That experience is what CFG was built around. We understand the business behind the application, not just the numbers on a spreadsheet.
Whether it's a tractor, a 20-tonne digger, working capital or funding a business purchase, we know there's more to the deal than just the interest rate.
Good finance starts with understanding the business.
"There's a big difference between understanding finance and understanding the business you're financing. We believe you need both."
Commercial Finance Group
03. Real deals
Real deals, real kiwis, getting it done.
$330K
No Deposit. 5-Year Term.
Client purchasing a modern agricultural sprayer as part of a business acquisition. Strong existing balance sheet, years of industry experience and historical earnings that comfortably serviced the proposed lending. The asset's age and quality supported a no-deposit structure, with CFG securing the full $330K over five years.
AGRICULTURE • NORTH OTAGO
$670K
From First Tractor to Business Acquisition.
A repeat client started with a $100K tractor, followed by a $50K vehicle just two months later. CFG then supported his $520K acquisition of an established strip till business, including its client base, Fendt 930 and strip-till setup. Three transactions demonstrating how we'vesupported the client's growth from his first machine to an established contracting operation
AGRICULTURE • BUSINESS GROWTH
$1.4M
Approved in Just 24 Hours.
Client purchasing six trucks and two truck-and-trailer units, backed by secured transport contracts. Forecast earnings comfortably serviced the proposed repayments, with additional off-balance-sheet assets available as security. CFG presented the strength of the business to the right lender, securing approval within 24 hours with just a 10% deposit.
TRANSPORT • BUSINESS GROWTH - AUCKLAND
04. In their words
Don't take our word for it. Take theirs.
Clients we’ve sorted finance for and what it was like.
“Two or three days later we were approved and ready to go shopping.”
Reuben • Tractor, rake and baler • Mid Canterbury
“It's just like talking to another farmer bloke. He knows what the cash flow is like.”
Andre • Boom sprayer, $0 deposit • Chalmers Ag Services
05. How it works
There's 20+ steps between your business and an approval. You do the first one. We'll handle the rest.
01
Fill in the form
What you're looking to finance, rough amount, any deposit and how long you've been trading. Two minutes.
02
We call you within 24 hours
Quick yarn about your business and what you're looking to do. We'll run through the numbers, your options and where we think the deal fits. No unnecessary mucking around.
03
You say go
Or you don't, no hard feelings. Give us the go-ahead and we'll handle the application, deal with the lenders and work through the approval and settlement process.
04
Gear in the shed
Gear in the shed, funds in the business or the next opportunity underway. You get back to work, and we're still on the end of the phone when you need us again.
Our fee is zero.
The lender pays us when the deal settles, if other fee's are to be charged, we'll let you know.
07.
your rough figure
Tell us what you're buying. I'll we'll tell you roughly what it costs.
Run the numbers on any machine. You'll see the repayment, and how it stacks up against the dealer's deal.
✓
Free, and it takes two minutes.
✓
No credit check. Nothing goes near your credit file.
✓
We ring within 24 hours with your real figure.
Rather talk it through?
Call Ricky on 027 653 4350
A lump sum paid at the end of the term. It lowers your regular repayments.
Your real rate depends on the gear, its age and your situation.
Free. No credit check. Your repayments and how they stack up against the dealer's deal.
08.
straight answers
Things you're probably thinking.
What types of finance can you arrange?
Everything from tractors, trucks and diggers through to working capital, business acquisitions and commercial lending. If it's for your business, there's a good chance we can
I've only been trading a year. Can you help?
Don't rule yourself out. A solid contract, good security, industry experience or strong cash flow can make a difference. We'll look at the whole picture, not just how long you've had an NZBN.
Will this affect my credit score?
Not just by having a chat or getting an indicative figure. If we move to a formal application, a lender may need to run a credit check. We'll talk you through that first.
What does it cost me?
We're generally paid by the lender when the deal settles. Some transactions may involve a broker fee, particularly more complex commercial deals. If there's a fee, we'll explain it upfront. No surprises.
Is there any obligation to proceed?
None just for having a chat. We'll run through your options, explain the next steps and let you decide. You say go, or you don't. No hard feelings.
Do I need a deposit or property security?
Not always. It depends on what you're financing, your financial position and the lender. Some deals can be done with no deposit or additional security. Others need a bit more behind them.
My bank's been good to me for 20 years. Why use CFG?
Then keep them. We're not here to change what's working. But having another set of eyes on the deal can open up different lenders, structures and options. If your bank's offer is better, we'll say so.
Can you help if l've had credit issues?
Potentially. A few defaults or dishonours don't automatically rule you out. We'll look at what happened, your current position and whether there's a lender that suits. Better to have the conversation than assume it's a no.
I haven't found the asset or business I want to buy yet.
No problem. We can look at your position and give you an idea of what might be achievable before you commit to anything. That way you can go shopping knowing roughly where you stand.
How are you different from the banks?
We work with a range of lenders, not just one. That gives us more options when it comes to rates, terms and structuring a deal. And with our industry background, we understand the business behind the numbers, not just what's on paper.
Commercial Finance Group • Financial Service Provider FSP1011141 • Member of Financial Services Complaints Limited (FSCL), an approved dispute resolution scheme, FSCL 9533.
We're paid by the lender when finance settles. Rough figures are indicative only. Final rates and terms depend on the lender's assessment of the asset, your business and your credit history. Business and commercial finance only.