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Straight Answers on Commercial Finance

No jargon, no filler — real numbers from Kundan Singh, Commercial Finance Specialist at AML Commercial.

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Contemporary glass commercial office buildings in city under blue sky, funded with a commercial bridging loan in New Zealand

Commercial Bridging Loan NZ: How It Works & What Qualifies

Commercial bridging loans in NZ: fund property purchases, bridge sales, and settle in 72 hours up to $10M+. How bridging finance works, LVR, and how to qualify.

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Bright modern commercial warehouse with pallets and storage racks for logistics and inventory management in New Zealand

Working Capital Finance NZ: Fund Cash Flow & Growth

Working capital finance in NZ: fund debtor gaps, inventory cycles & trade growth up to $10M+ using asset-backed facilities. Get a term sheet in 24–48h.

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Modern commercial and residential property development construction site in New Zealand with cranes and framing under daylight

Property Development Finance NZ: Construction & Builds

Property development finance in NZ: fund land acquisitions, commercial builds & subdivisions up to 85% LTC / 70% LVR. Get a term sheet in 24–48 hours.

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Modern commercial office and retail building exterior in New Zealand, suitable for a second mortgage equity release

Second Mortgage Commercial Property NZ: Release Equity Fast

Second mortgage on NZ commercial property: release equity behind your 1st mortgage up to 70% LVR. Terms, criteria & exit planning. Term sheet in 24–48h.

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Heavy log truck loaded with freshly harvested timber logs hauling on a highway in New Zealand, funded through log truck financing

Log Truck Financing NZ: How It Works & What Qualifies You

Log truck financing in NZ: fund trucks, bolster trailers & cranes with up to 100% finance. What lenders check & how to qualify. Term sheet in 24–48 hours.

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Detailed view of a turquoise excavator arm against a vivid blue sky, representing heavy machinery funded through equipment financing

Equipment Financing NZ: How to Fund Business Machinery (2026)

Equipment financing in NZ: how to cover up to 100% of purchase price without property security. Learn what qualifies and get a term sheet in 24–48 hours.

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Crowd gathered around brightly lit food trucks at a night market, the type of business funded through food truck financing in NZ

Food Truck Financing NZ: How It Works and What Qualifies You

Food truck financing in NZ: how much you can borrow, whether you need a deposit, and what actually qualifies a new operator. Get a term sheet in 24–48 hours.

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Hands exchanging car keys, the moment motor vehicle finance in NZ is built to fund

Motor Vehicle Finance NZ: How It Works and What Qualifies You

Motor vehicle finance in NZ for company cars and business vehicles: loan size, deposit, and what actually qualifies, explained plainly by an advisor who places these deals.

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Modern commercial office building exterior, the type of property commonly financed with a commercial property loan in New Zealand

Commercial Property Loan NZ: 6 Myths Costing You Money

Six commercial property loan myths costing NZ business owners real money — the actual rules on valuation, LVR, and lenders, explained plainly by an advisor who places these deals.

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Electric vehicle plugged into a public charging station, the type of vehicle funded through electric vehicle finance

Electric Vehicle Finance NZ: How It Works and What Qualifies You

Electric vehicle finance in NZ: loan size, deposit, and what qualifies — explained plainly by an advisor who places these deals.

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Red tractor driving across open farmland, the type of machine funded through farm equipment financing in NZ

Farm Equipment Financing NZ: What Actually Qualifies

Farm equipment financing in NZ for tractors, machinery, and implements — deposit, loan size, and what actually qualifies, explained plainly by an advisor who places these deals.

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Yellow excavator on a construction site under a clear blue sky, the type of machine funded through construction equipment financing in NZ

Construction Equipment Financing NZ: What Actually Qualifies

Construction equipment financing in NZ for excavators, diggers, and plant — deposit, loan size, and what actually qualifies, explained plainly by an advisor who places these deals.

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Fleet of white commercial vans parked in rows, the type of business vehicles funded through commercial vehicle finance in NZ

Commercial Vehicle Finance NZ: Which Type Fits Your Business

Commercial vehicle finance in NZ for trucks, utes, vans, and fleets — deposit, loan size, and what actually qualifies, explained plainly by an advisor who places these deals.

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Bright orange work van travelling along an open New Zealand highway with a roof box fitted, the type of vehicle funded through van finance

Van Finance NZ: How It Works and What Qualifies You

Van finance in NZ: loan size, deposit, and what actually qualifies — explained plainly by an advisor who places these deals.

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Silver pickup ute travelling along an open New Zealand highway, the type of vehicle funded through ute finance

Ute Finance NZ: How It Works and What Qualifies You

Ute finance in NZ: loan size, deposit, and what actually qualifies — explained plainly by an advisor who places these deals.

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Modern commercial office building exterior, the type of property commonly refinanced onto a new commercial mortgage in New Zealand

Commercial Mortgage Refinance NZ: When It Actually Pays Off

When refinancing a commercial mortgage in NZ actually pays off — LVR, requirements, and real costs, explained plainly by an advisor who places these deals.

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Small shop interior with a business owner working at the counter, the kind of SME a short-term business loan is built to fund

Short Term Business Loan NZ: What Actually Qualifies

Secured vs unsecured, loan size, and what actually qualifies for a short term business loan in NZ — explained plainly by an advisor who places these deals.

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Semi-truck travelling along a scenic New Zealand highway, the type of vehicle funded through truck finance

Truck Finance NZ: How It Works and What Qualifies You

Truck finance in NZ: how much you can borrow, whether you need a deposit, and what qualifies — explained plainly by an advisor who places these deals.

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Glass-fronted commercial office building, the type of commercial property used as loan security in New Zealand

Commercial Property Loan NZ: What It Actually Takes to Qualify

What actually qualifies for a commercial property loan in NZ — LVR, requirements, and why there's no fixed rate, explained plainly by an advisor who places these deals.

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