Prestige & Passenger Vehicles
Personal cars, EVs, prestige imports and exotics. Loans from $1k to $500k+ with terms tailored to balloon, residual or straight P&I structures.
Up to 60 months · Balloon options
Services
One brokerage. Every asset class.
From the keys to your next car to the equipment powering your business, Vault structures vehicle, asset and business finance across New Zealand — backed by direct relationships with 75+ bank, non-bank and specialist lenders.
Same-day pre-approval No-cost to clients Senior advisor only Direct underwriter access
75+ NZ & global lender partners
Strong relationships. Direct underwriter lines. Faster yes.HeartlandAvantiUDCMTFOxford FinanceYes FinanceProspaPepper MoneyLibertyBranded FinancialFinance NowGeneva FinanceInstant FinanceScottish PacificBizcapLyfe CapitalMaracSpeirs FinanceGo Car FinanceNectarHeartlandAvantiUDCMTFOxford FinanceYes FinanceProspaPepper MoneyLibertyBranded FinancialFinance NowGeneva FinanceInstant FinanceScottish PacificBizcapLyfe CapitalMaracSpeirs FinanceGo Car FinanceNectar
Commercial Vehicles & Fleet
Utes, vans, trucks and full fleet rollouts. Chattel mortgage, lease and finance lease available — we handle GST and FBT structuring with your accountant.
Up to 60 months · Fleet pricing
Plant, Machinery & Agri
Excavators, loaders, tractors, irrigation and processing plant. Specialist agri lenders on panel for seasonal cash flow.
Seasonal repayments available
Equipment & Technology
Workshop tools, medical equipment, IT infrastructure and commercial fit-outs. Operating leases keep equipment off your balance sheet.
From $5k · No deposit options
Marine & Watercraft
Boats, launches, yachts and jet-skis. Specialist marine lenders with experience in New Zealand survey and registration.
Up to 60 months
Aviation & Helicopter
Aircraft, rotor and high-value prestige assets. Discreet, senior-led handling with private banking lender access.
Bespoke structures
Caravans & Motorhomes
New and used recreational vehicles, including imports. Quick approvals so you don't lose the deal at the dealership.
Same-day approvals
Business Loans & Working Capital
Cash advances, expansion finance, debtor finance and bridging. Funds released in days, not weeks.
Unsecured options to $300k
Invoice Financing
Unlock cash tied up in unpaid invoices. Advance up to 90% of invoice value within 24 hours — ideal for businesses with long payment cycles or seasonal cash flow gaps.
Up to 90% advance · Same-day funding
Personal Loans
Lifestyle, debt consolidation, weddings, travel and unexpected costs. Sharp rates from bank and non-bank lenders.
From $1k to $100k
Refinance & Restructure
Refinance an existing asset facility, consolidate multiple loans, or restructure for better cash flow and shorter terms.
Rate & term reviews
Bad Credit & Second-Chance Finance
Discharged bankruptcy, defaults, missed payments or low credit score? Specialist non-bank lenders that look at the full picture, not just a number.
No-judgement assessments
Learner & Restricted Licence Car Finance
Get into your first car on a learner or restricted licence. Lenders on panel that approve newer drivers with fair rates and sensible terms.
First-time buyer friendly
ACC & Beneficiary Finance
On ACC, Jobseeker, Sole Parent or Supported Living payments? We work with lenders who accept benefit income and assess on affordability — not stigma.
Benefit income accepted
How we work
Four steps. Zero friction.
We've spent years compressing the lending process. Most clients go from first call to funded inside two business days.
- 01
Conversation
A short call to understand the goal, the asset and the timeline.
- 02
Strategy
We map your file to the right lenders across our 75+ panel and choose the sharpest structure.
- 03
Approval
Documents handled by us. Direct underwriter relationships mean decisions in as little as 1 hour.
- 04
Settlement
Funds released and keys (or contracts) in your hand — typically within 24–48 hours.