# Finance Now review: business equipment loans and rentals

> Finance Now lends New Zealand businesses money for office, EFTPOS, computer and light industrial equipment over up to 60 months, with no deposit. Here is what it finances, how it works and how it compares.

By Jason Dark, last checked 2026-11-06. Part of [Lenders](https://smallbusinessloan.co.nz/lenders) on Skipper.

## The short version

- Finance Now is a New Zealand finance company, set up in 2000, best known for personal loans, car loans and shopping finance.
- Its business loans and rentals cover equipment like office machines, EFTPOS systems, computers, light industrial equipment and fit-outs.
- You can spread payments over up to 60 months with no deposit, and software and servicing can be included.
- Finance Now doesn't publish its business rates. Often, you'll apply through the retailer selling the equipment.

## Is Finance Now a good option for your business?

Finance Now suits businesses that need equipment for the office, shop or workshop and would rather pay monthly than all at once. Finance Now finances items like office equipment, EFTPOS systems, computers and shop fit-outs, often through the retailer selling them. The loans don't cover wages, stock or tax bills, and Finance Now doesn't publish its business rates.

Finance Now started in 2000 with support from SBS Bank. Today, Finance Now has more than 240 staff in Invercargill and Auckland and offers personal loans, car loans, credit cards, shopping finance and business finance.

## What Finance Now lends

| Product | Amount | Term | Who qualifies | Security | Speed | Cost |
| --- | --- | --- | --- | --- | --- | --- |
| Business equipment loan | Not published | Up to 60 months | Businesses buying equipment used mainly for business, such as office, EFTPOS, computer and light industrial equipment or a fit-out | Not published; no deposit is needed | Retailers that offer Finance Now are paid within 24 hours | Rates not published; monthly payments in arrears, and software or servicing can be included in the loan |
| Business equipment rental | Not published | Up to 60 months | Businesses that would rather rent equipment than own it | Not published; no deposit is needed | Not published | Rates not published; software, servicing and other extras can be included |

Finance Now can help you finance any asset or equipment mainly used for business, such as:

- office equipment
- point of sale and EFTPOS systems
- computers and other technology
- light industrial equipment
- retail and office fit-outs

If what you need isn't listed, Finance Now asks you to contact its business team.

## Buying or renting

With a business loan, you own the equipment from the start and pay it off over up to 60 months with no deposit. You make monthly payments in arrears, and you can include software and servicing in your loan. Finance Now says GST may be claimable upfront, and interest and depreciation may be tax deductible. Check with your accountant to confirm.

With a rental, you use the equipment but don't own it. You still need to look after and service it. Finance Now says rental payments may be fully tax deductible and might not show as a liability on your balance sheet. Check with your accountant before relying on this.

## How to apply

You can apply online or call Finance Now's business team on 0800 365 287. Many businesses use Finance Now through an equipment retailer. Retailers in the network apply for you using an online portal, and Finance Now says it pays them within 24 hours. Finance Now's normal lending criteria apply, and it will run its own checks.

## What Finance Now costs

Finance Now doesn't publish its business loan or rental rates. You'll see the interest rate, fees and total amount payable in your documents before the loan is finalised. Compare this total with the cost of buying the equipment outright, and try the rate in our [business loan calculator](https://smallbusinessloan.co.nz/tools/business-loan-calculator).

## How Finance Now compares

For vehicles, trucks and heavy machinery, [UDC Finance](https://smallbusinessloan.co.nz/lenders/udc) and [Heartland](https://smallbusinessloan.co.nz/lenders/heartland) are the specialists, and banks' asset finance starts at $5,000 to $20,000. Finance Now fits smaller office and shop equipment better, and you can arrange it at the point of sale. The [asset finance guide](https://smallbusinessloan.co.nz/loans/asset-finance) compares all these options.

These details come from Finance Now's website, checked on 6 November 2026.

## Common questions

### Does Finance Now do business loans?

Yes, for equipment. Finance Now lends businesses money to buy or rent equipment used mainly for business, such as office machines, EFTPOS systems, computers, light industrial equipment and fit-outs.

### How long can a Finance Now business loan run?

Up to 60 months, with no deposit and monthly payments.

### What interest rate does Finance Now charge businesses?

Finance Now doesn't publish its business rates. You'll see the rate and fees in your loan documents before you sign.

## Sources

- [Finance Now: Business finance](https://www.financenow.co.nz/business-finance/)
- [Finance Now: Business equipment rental](https://www.financenow.co.nz/business-finance/business-equipment-rental/)
- [Finance Now: Finance for your business customers](https://www.financenow.co.nz/business-finance/finance-for-your-business-customers/)
- [Finance Now: About us](https://www.financenow.co.nz/about-us/)