Geared Finance

Flexible finance options for growing businesses.


Geared Finance supports New Zealand business owners with competitive finance solutions, helping them achieve long-term success.

No Upfront Costs: No bond or deposit is required upfront, freeing up valuable cash flow*.
Flexible Terms: A choice of two to five year terms allows customers better budgeting control and more manageable repayments.
No end of term catches: Clear ownership at the end of the term.
Competitive rates: We compare multiple lenders to find the best finance solution and competitive rate that suits your business objectives.
We fund more: We finance more than assets, we can help customers with their fitout costs, new builds, or refurbishments.
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Repayment Calculator

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5 Year Term
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Repayments, fees, approval outcome, structure, rates and terms may vary depending on lending criteria, business profile, asset type and credit assessment. Facility documentation fee of $550 inc GST applies - paid upfront at settlement with the first instalment, which is in advance.  Documentation fee can alternatively be financed into the loan.