Power Your Projects With The Right Construction Equipment Loans

Stepping into the ground for new business development or expanding your existing business requires the right finance to grow correctly. Link Finance helps kiwi builders and contractors step into this ground confidently by getting access to the suitable construction loan.

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Smarter way to borrow

Finance that works for the kiwis in building industry

Construction can be unpredictable, so we offer these construction equipment loans to help the Kiwis. From cranes to diggers, trucks, or even smaller tools, we make it simple to secure the equipment needed to get started.

Loan term

Opt for the term that suits your business, whether a 6 month plan for smaller gear or a 5 years plan for bigger equipment. We will make it work for you.

Loan purpose

Our construction equipment loans fulfill the needs of Kiwi contractors and builders, allowing them to purchase everything from bulldozers to excavators, power tools, and concrete mixes.

Loan types

Use your business assets to choose the secured loan type or go with the unsecured one for added flexibility. We support the kiwis in either way with the proper funding.

Repayment Options

Select the fortnightly, weekly, or monthly repayment options, whichever suits your business cash flow.

Interest rates

We do not use a one size fits all approach to determine the interest rates. These can vary according to your business’s financial health, starting from 8%.

Transparent Fees

Link Finance keeps everything crystal clear for the kiwis regarding the fees including the establishment and account charges.

Who can apply?

Who can apply for construction equipment loans NZ?

To apply with Link Finance, you must:

Whether you’re a sole trader, contractor, or business owner first time borrowers are welcome. We’ll guide you through every step.

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OUR PROCESS

Fast & easy construction equipment finance process

You can have your construction loans approved in just 3 simple steps!

Apply online

Fill out our simple online application form just takes a few minutes.

Fast assessment

We review your application promptly most construction equipment loans NZ are approved within 1–2 business days.

Access funds quickly

Once approved, we release the funds so you can purchase or upgrade your equipment immediately.

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Use our smart loan calculator to estimate your repayments and total loan amount.

Plan Before You Apply

How Much Would You Like To Borrow?

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Loan Amount

For How Long

Estimated
Repayments From

$783

$46,965 Total

$180

Total $46,850

9.95%/p.a

Calulated At An Example Rate

Why choose Link Finance for your business loan?

Construction finance experts

We understand the unique needs of the building and contracting industry in NZ.

Tailored solutions

Every business is different, and so are our loans.

Quick turnaround

Need your equipment now? We make it happen fast.

Testimonials

Customer feedbacks

Hear what our valued customers have to say about their experience with our services. We’re proud to deliver satisfaction and lasting impressions.

Excellent service from start to finish. Everything was handled smoothly and professionally. Highly recommend to everyone I know!

Gerry Kellmen

Customer

Very satisfied with the overall experience. The team was responsive, friendly, and made the entire process so simple.

Johnson

Customer

Quick, reliable, and professional service. I’m glad I chose them and would definitely use their services again.

Maxwell

Customer

Outstanding experience from beginning to end. The staff was helpful, kind, and made everything easy for me to manage.

Anderson

Customer

Superb service with great attention to detail. I felt valued and supported throughout the entire process without any hassle.

Michael

Customer

Start building your business today

At Link Finance, we’re here to help you move forward with confidence. Whether you’re replacing old machinery or expanding your fleet, our construction equipment loans are designed to help you build smarter not harder.

Use our online calculator to estimate repayments and apply today. With Link Finance, your next big project is just one loan away.

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Our Rates And Fees

We believe in flexibility, offering tailored solutions without fixed fees or rates. Whether it’s a short term Bridging loan, Debt consolidation, Car Loan and Business loan, we have the right loan to match your unique needs.

Interest Rate Range

8% - 22.95%

Loan Limits

$2000 - $100,000

Loan Terms

1 Year - 5 Years

Frequently Asked Questions

Yes, many contractors use construction equipment loans NZ alongside other loans. These are separate from general business loans and won't affect your existing finance.

Loan amounts range from $3,000 to $150,000 or more—depending on your financials, equipment needs, and repayment ability.

Absolutely. Choose based on your financial strategy—secured loans may offer higher amounts, while unsecured ones provide more flexibility.

Rates vary based on credit score, income, and loan structure. We’ll always provide a competitive and transparent offer.

No. At Link Finance, all fees are disclosed upfront—including any establishment or account-keeping fees.

We're on a mission.

At LinkFinance, we’re using cutting edge technology to transform the industry and deliver financial services that actually work for you.