Last updated 15 October 2026
Disclosure statement
This disclosure statement gives you important information about Commercial Finance Group, so you understand what we do and can make informed decisions when you work with us.
About Commercial Finance Group
Legal name: Atwal Holding's Limited
Trading name: Commercial Finance Group
NZBN: 9429051272760
FSP number: FSP1011141
Atwal Holding's Limited is registered on the New Zealand Financial Service Providers Register and is a member of an approved dispute resolution scheme.
Nature of our services
Commercial Finance Group provides asset finance broking services to businesses. Our role is to help you with:
• Understanding your asset finance options
• Structuring finance for business-use assets
• Introducing you to suitable lenders
• Your application and documentation
• Getting through the settlement process
We don't provide investment advice or personalised financial advice under the Financial Markets Conduct Act 2013.
Scope of our services
We specialise in business-use asset finance, including (but not limited to):
• Vehicles and transport assets
• Plant, machinery and equipment
• Fixed business assets and commercial fitouts
Our services are limited to assets and structures that fit our area of expertise.
Information we rely on
Any recommendations or help we give you are based on the information you supply. It's important that the information you give us is accurate and complete.
If information is incomplete or changes, this may affect the options available to you.
Lenders we work with
We work with a focused group of specialist asset lenders and finance providers.
We don't assess every finance product available in the market, and other options may be available directly to the public.
Fees and remuneration
In most cases, we don't charge you a direct fee for our services.
We're usually paid by the lender when finance successfully settles. This may be in the form of a commission paid by the lender. If a fee were ever to apply, we'd tell you before you go ahead.
From time to time, we may receive referrals from equipment dealerships, suppliers, accountants or other professional partners. In some cases we may pay these introducers a referral fee out of the commission we receive from the lender.
Any referral payments come out of our commission and don't add any cost to you.
Conflicts of interest
Because we may receive commission from lenders, there's a potential conflict of interest. We manage it by:
• Acting professionally and in good faith
• Focusing on the right structure for you, not on what we're paid
• Being transparent about how we're paid
• Keeping internal processes in place to identify and manage conflicts
Credit checks
We won't run any formal credit checks or submit applications to lenders without your consent.
An initial chat or enquiry does not affect your credit score.
Complaints and dispute resolution
If you have a complaint about our services, please contact us first so we can try to sort it out.
If we can't resolve your complaint, you can contact our external dispute resolution scheme, Financial Services Complaints Limited (FSCL), membership number 9533. FSCL is an independent and free dispute resolution service.
Phone 0800 347 257 • Email complaints@fscl.org.nz • fscl.org.nz
Privacy and confidentiality
We take client confidentiality seriously. Your personal information is only shared where it's needed to provide our services or where the law allows.
Changes to this disclosure statement
We may update this disclosure statement from time to time. The latest version will always be on this page.
Contact us
Commercial Finance Group
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.