Asset loans and used asset finance – what's right for your business?
We all understand that buying cheap does not always equate to the best value purchase but when it comes to finance, the interest rate (particularly in an upwards trending market) is often the primary focus and this can lead to poor customer outcomes. This is because decisions makers often overlook the importance of maintaining positive cash flows in their businesses, especially in relation to their asset loans or used asset finance structures. Financecan be complex and other more important factors like loan structure and terms and conditions can have a much greater impact on cash flow than interest rate.
It’s very common to see businesses with cash flow issues that have poor asset finance or asset loans structures for new assets and used asset finance as the primary cause for this. A typical example of this situation is a customer taking up a very low interest on a new asset (often on dealer a discounted interest rate where the dealer is subsidising the rate by reducing margin) on a term offered of 2 or 3 years maximum. The asset may have a useful life of fifteen years, but in most cases a short term like this does not make sense and won’t be able to generate enough annual surplus to pay off the asset loan and likely lead to cash flow problems in the business.
Neighbourhood Challenge: Who Can Crack This One? ⛓️💥❔
What has a head but no brain?
Do you think you know the answer? Simply 'Like' this post if you know the answer and the big reveal will be posted in the comments at 2pm on the day!
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Want a Cosier Christmas Night? Neighbours, Read This
Hey neighbours,
Quick question - have you given your bedroom a little Christmas love yet?
If not, you’re going to love this! We’ve put together some easy, feel-good DIY ideas to help turn your bedroom into a cozy Christmas retreat - think festive bedding, twinkling lights, handmade pillows, and warm holiday scents. Simple touches, big Christmas vibes.
Get inspired here:
beds4u.co.nz...
And while you’re getting into the Christmas spirit, our Boxing Day sale is still ON - a great excuse to upgrade your bed and enjoy better sleep heading into the new year.
Find your nearest Beds4U store:
beds4u.co.nz...
Or browse all Boxing Day deals:
beds4u.co.nz...
Don’t wait, neighbours - cozy nights and great deals don’t stick around for long!
Poll: Are Kiwis allergic to “exuberance”? 🥝
In The Post’s opinion piece on the developments set to open across Aotearoa in 2026, John Coop suggests that, as a nation, we’re “allergic to exuberance.”
We want to know: Are we really allergic to showing our excitement?
Is it time to lean into a more optimistic view of the place we call home? As big projects take shape and new opportunities emerge, perhaps it’s worth asking whether a little more confidence (and enthusiasm!) could do us some good.
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40.7% Yes
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34.3% Maybe?
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25% No
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