Finance Solutions
Strategic Finance for Your Business's Biggest Assets.
We structure deals based on the asset's economic life and your seasonal cash flow, turning finance into a strategy for growth.
Core Offerings
Asset & Equipment Finance
New & Used Asset Finance: Funding for everything from brand new heavy trucks to older yellow goods. Unlike banks, REAL gets funding based on the "economic life" of the gear, meaning older assets are okay.
Debt Refinance: Don’t let a looming balloon payment or high interest rates stall your business. RAF can restructure your existing finance agreements to lower your monthly repayments or clear residual values, giving your business the breathing room it needs to manage cash flow effectively. We can even top up the ballon to extract some funds for the business growth.
Sole Trader & Owner-Driver Speciality: We back the people behind the wheel. While big banks often struggle to approve self-employed applicants, Roger specialises in supporting sole traders and owner-drivers. We offer a service from initial idea to approval, allowing you to relax and get on with the job.
Engine Overhaul & Repair Finance: A unique solution for the transport industry and many others. Instead of buying a new truck, finance the major engine rebuild or certification costs to keep the existing rig on the road. We work with lenders to do this and refinance the remaining loan balance.
Business Growth & Cash Flow
Working Capital Loans: Short-term cash injections to cover operational costs, wages, or stock purchases during busy periods.
Trade Finance: Funding to pay local or international suppliers upfront. This bridges the gap between buying stock and selling the finished product.
Debtor Finance (Invoice Finance): accessing the money tied up in unpaid invoices immediately, rather than waiting 30-90 days for clients to pay.
Business Acquisition Finance: Funding to help buy an existing business or buy out a partner.
Special & Strategic Loan Structures
Seasonal Payment Structures: Repayment plans that match your revenue cycle. (e.g., Farmers or contractors pay more during harvest months and far less near I/O during the off-season).
Sharia Compliant Loans: Ethical finance options that comply with Islamic finance principles. We work with suitable finance companies in NZ to comply with Sharia principles
Low Doc Options: Simplified application processes strong clients with at least 2 years trading, where annual returns might not be up to date.
Credit Impaired Solutions: Finance for business owners with bad credit or past defaults. RAF works with clients to clear the past and remodel for the future. In many cases having an active IRD payment plan will satisfy the finance company.
Start-Up Funding: Support for new ventures that have strong potential but lack the trading history required by major banks.
Client Stories
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Client: Name
Explain what makes the business unique. Identify the qualities that set it apart from its competitors and describe them, staying true to the brand's authentic voice. Add engaging details to catch readers' interest and hold their attention.
Year: 2035
Explain what makes the business unique. Identify the qualities that set it apart from its competitors and describe them, staying true to the brand's authentic voice. Add engaging details to catch readers' interest and hold their attention.
Industry: Finance
Explain what makes the business unique. Identify the qualities that set it apart from its competitors and describe them, staying true to the brand's authentic voice. Add engaging details to catch readers' interest and hold their attention.
Client: Name
Explain what makes the business unique. Identify the qualities that set it apart from its competitors and describe them, staying true to the brand's authentic voice. Add engaging details to catch readers' interest and hold their attention.
Year: 2035
Explain what makes the business unique. Identify the qualities that set it apart from its competitors and describe them, staying true to the brand's authentic voice. Add engaging details to catch readers' interest and hold their attention.
Industry: Finance
Explain what makes the business unique. Identify the qualities that set it apart from its competitors and describe them, staying true to the brand's authentic voice. Add engaging details to catch readers' interest and hold their attention.
Client: Name
Explain what makes the business unique. Identify the qualities that set it apart from its competitors and describe them, staying true to the brand's authentic voice. Add engaging details to catch readers' interest and hold their attention.
Year: 2035
Explain what makes the business unique. Identify the qualities that set it apart from its competitors and describe them, staying true to the brand's authentic voice. Add engaging details to catch readers' interest and hold their attention.
Industry: Finance
Explain what makes the business unique. Identify the qualities that set it apart from its competitors and describe them, staying true to the brand's authentic voice. Add engaging details to catch readers' interest and hold their attention.
Commercial Property & Development Loans
Acquisition Finance: Secure funding for land and property purchases, enabling you to acquire new sites or expand your portfolio.
Bridging Finance: Access short-term funding to keep your projects moving, bridging the gap between transactions or stages of development.
Capitalised Loans: Structure your loan so that interest payments are added to the principal during the construction or development phase, easing cash flow until your project is generating income.
Equity Release from Existing Properties: Unlock capital tied up in your current assets to reinvest in new opportunities.
IRD (tax) Debt Clearance: Manage your tax obligations efficiently with finance options that help clear outstanding IRD debts.