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Strategic Approach

We align finance with your business goals.

Linehaul truck with scenic hill and tree vista

Local Expertise

Based in Christchurch, serving NZ-wide.

Flexibility

Seasonal payments and terms that suit your cash flow.

Couple celebrating new finance approval

Introducing 
Roger Cowell

The Story of Vailu

Real Finance for Real Business Growth.

​Independent commercial finance brokers in Christchurch. We don’t just find you a loan; we build a strategy to help your business thrive.

Industries

Agriculture, Forestry & Farming

We know rural and forestry income is often seasonal. As brokers, we connect contractors with lenders offering flexible finance options—so repayments can match your harvest, forestry, or contract cycles. Whether upgrading equipment or expanding operations, we help
structure solutions that work with your calendar.

Construction & Heavy Machinery

As an Asset Finance Broker , we connect civil construction & Industry with lenders for heavy
equipment—including diggers, excavators, loaders and cranes. We work with you and our
lending partners to structure finance solutions around your machinery’s economic life,
ensuring your terms match the durability and workload of your assets.

Development & Building

Commercial broker -  we connect developers and builders with lenders for large construction projects, equipment funding, and fast bridging finance. We help structure tailored finance
solutions—you can access the cash resources you need to keep moving your development forward and keep your cash flow healthy and project alive.

Transport & Logistics

Keep your fleet moving with tailored finance solutions for Trucks & Trailers, whether you run a large logistics company or are an Owner Driver just starting out. As Asset Finance NZ Specialists, we also support the passenger sector with competitive Bus & Coach finance. Uniquely, we offer Vehicle Repair financing—funding engine overhauls and major upgrades—so you can extend the life of your assets rather than facing the cost of replacement.

Manufacturing & Industrial

Our skill as an independent Asset Finance broker, we connect manufacturers with lenders for industrial equipment and heavy plant machinery. Beyond asset finance  loans, we help arrange trade finance and working capital solutions so you can manage cash flow between supplier payments and customer receipts, keeping your stock levels and production running smoothly.

Healthcare, Medical & Veterinary

We help private practices, clinics, and veterinary services access the latest technology and facility upgrades without straining cash reserves. As Asset Finance broker, we connect you with lenders offering both finance and leasing options for high-value medical and veterinary equipment, as well as fit-outs. Whether you’re a GP, dentist, specialist, or vet, we help secure the tools and solutions you need to deliver excellent care while maintaining healthy business cash flow

Our
Solutions

Real Asset Finance broker consulting with business owners about a commercial loan in New Zealand.

Asset & Equipment Finance

We help you fund essential equipment finance and assets across a wide range of NZ industries including
construction, agriculture, forestry, healthcare, manufacturing, services, logistics, and more. Whether you need new or used vehicles, heavy machinery, medical and veterinary devices, industrial
equipment, or technology upgrades, we can help. Our finance solutions also include repair finance for major overhauls, enabling you to extend the working life of your key assets and keep your operations running smoothly. We are an Asset finance broker, we connect you with NZ lenders who understand your sector’s unique needs, ensuring your finance terms align with your business goals and asset lifecycles.

Cash Flow, Trade Finance & Equity Release

Unlock working capital with tailored solutions:

  • Trade Finance for supplier payments

  • Debtor Finance for unpaid invoices

  • Invoice Finance for select invoices

  • Equity Release from existing assets

  • IRD (tax) debt clearance to manage obligations
     

We connect you with lenders who understand your business and cash flow needs

Property & Development Loans

Access tailored finance for property purchases, large-scale developments, and construction projects. Commercial Development Finance solutions include:

  • Funding for land acquisition and building costs

  • Bridging finance to keep projects moving

  • Equity release from existing properties

  • IRD (tax) debt clearance to manage obligations
     

We connect you with NZ and Australian lenders who understand the NZ property sector and can structure loans to match your property goals and cash flow need

White commercial semi-truck driving on a scenic New Zealand road representing truck finance options.

Custom & Niche Structures

Benefit from truly flexible finance solutions designed for unique business needs. Options include:

  • Seasonal Payments that align with your income cycles, ideal for agriculture, tourism, and other seasonal industries.

  • Sharia Compliant finance for businesses seeking ethical funding structures.

  • Tailored funding for Start-Ups, early-stage ventures, and businesses with non-traditional financial profiles or credit impairment.

  • Specialised solutions for niche sectors, including technology, creative industries, and social enterprises.

  • Flexible structures for businesses with irregular cash flow, rapid growth, or unique operational requirements.
     

We work on your behalf, your local finance broker,  with lenders who understand your industry and can customise finance to fit your business model.

It’s all about a dialogue

A few words from our clients. See client stories for more.

Roger at Real Asset Finance got us a loan for a machine and then after 18mths of covid and illness, helped us again by transfering the loan to the purchasing company. He took a lot of stress off us and onto his shoulders.
An awesome outcome.
Thanks Roger.

Roger did a real great job in getting our finances across the line. He absolutely bent over backwards i. Helping us. I would highly recommend Roger if you have trouble getting Finance.

We have used Roger to help us refinance existing loans within our joinery business and to finance the purchase of new plant. We have found him to be very professional and able to offer lots of advise and options. We would happily recommend Roger to anybody requiring Asset Finance.

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