Fast finance
for your farm

Turn your farming plans into reality with quick
access to pre-qualified finance.

You've got finance

Pre-qualified up to $100,000

Apply online now

Fast

Your loan could be approved within 24 hours*

Easy

No asset security required upfront to access up to $100,000 Figured funding*

Flexible

Only pay interest on funds used with flexible repayment options

Competitive

Competitive floating interest rates starting from 9.45% p.a.

Invoice Financing

Helping you to speed up access to finance for sustainability, environmental and other capital projects

Min $10K up to $100K. Over 100K is available outside of standard approval process**

Available to Figured customers - NZ Farm Owners

9.45% interest, subject to change, fixed for period of the loan

Pre-approval status within 24 hours from the time of application*

Halter Finance

Figured has partnered with Halter to change the way you pay, spreading your annual subscription payment across 12 months.

Min $10K up to $100K. Over 100K is available outside of standard approval process**

Fixed 12-month term at 9.45% (subject to change)

No asset security required (GSA and personal guarantee required)*

Repayments made monthly, or matched to your seasonal cash flow*

Dairy Flexi Credit

Cover operational expenses, plant & equipment purchases, and unexpected expenses - and pay interest only on funds used.

Revolving credit from $10,000 - $100,000 to cover cashflow and unexpected expenses

Available to Figured customers - Dairy Sharemilkers and Contract Milkers (NZ only)

No asset security required (GSA and personal guarantee required)*

Funding possible within 5 working days from the date of signing*

Asset Financing

Easy access to finance for new machinery and implements to accelerate on farm improvements

Min $10K up to $100K. Over 100K is available outside of standard approval process**

Flexible repayment options via direct debit. Term up to 5 years

Available to Figured customers - NZ Farm Owners

Fast application and decision*

*Heartland Bank Limited's lending criteria applies and approval time depends on when supporting documents are provided. A GSA and personal guarantee are required. Lending for any vehicle over the value of $5,000 is subject to a SSA.
**Applications above $100,000 do not fall within Figured Lending’s standard approval process and will be referred to Heartland Bank Limited's credit team for review. Alternatively, up to $100,000 could be covered by Figured Lending with the remainder paid directly to supplier.

Why Figured?

We know that farmers are an ambitious bunch, keen to develop their farm, improve the way they work, and try new things. But it takes money, which is harder to get these days.

That’s why we’ve teamed up with Heartland Bank Limited and launched Figured Lending – to give farmers and their advisers smarter options for accessing new capital.

We think it makes complete sense. Because, as a Figured customer, we know that you’re on top of your numbers – and that gives us the confidence to finance your farming ambitions.

“Figured’s move into lending services for farmers is a logical step towards our vision for Figured as the financial hub to help farmers realise their financial - and farming - ambitions. We expect to add new lending products and services to give farmers more choices to access and manage capital.”

- Dave Dodds, Figured CEO

Important information

*Heartland Bank Limited’s lending criteria applies and approval time depends on when supporting documents are provided. A GSA and personal guarantee are required. Lending for any vehicle over the value of $5,000 is subject to a SSA.
**Applications above $100,000 do not fall within Figured Lending’s standard approval process and will be referred to Heartland Bank Limited's credit team for review. Alternatively, up to $100,000 could be covered by Figured Lending with the remainder paid directly to supplier.

Fast finance
for your farm

Turn your farming plans into reality with quick
access to pre-qualified finance.

You've got finance

Fast

Easy

Flexible

Competitive

Finance products

Invoice Financing

Min $10K up to $100K. Over 100K is available outside of standard approval process**

Available to Figured customers - NZ Farm Owners

9.45% interest, subject to change, fixed for period of the loan

Pre-approval status within 24 hours from the time of application*

Halter Finance

Min $10K up to $100K. Over 100K is available outside of standard approval process**

Fixed 12-month term at 9.45% (subject to change)

No asset security required (GSA and personal guarantee required)*

Repayments made monthly, or matched to your seasonal cash flow*

Dairy Flexi Credit

Revolving credit from $10,000 - $100,000 to cover cashflow and unexpected expenses

Available to Figured customers - Dairy Sharemilkers and Contract Milkers (NZ only)

No asset security required (GSA and personal guarantee required)*

Funding possible within 5 working days from the date of signing*

Asset Financing

Min $10K up to $100K. Over 100K is available outside of standard approval process**

Flexible repayment options via direct debit. Term up to 5 years

Available to Figured customers - NZ Farm Owners

Fast application and decision*

Frequently Asked Questions

The process was very smooth – once Figured reviewed our forecast and saw that we had the required sum of money in our account, they transferred the full loan amount.

Why Figured?

Don’t wait to get funding for your farm business.

Important information

Fast finance for your farm

Turn your farming plans into reality with quick access to pre-qualified finance.

You've got finance

Fast

Easy

Flexible

Competitive

Finance products

Invoice Financing

Min $10K up to $100K. Over 100K is available outside of standard approval process**

Available to Figured customers - NZ Farm Owners

9.45% interest, subject to change, fixed for period of the loan

Pre-approval status within 24 hours from the time of application*

Halter Finance

Min $10K up to $100K. Over 100K is available outside of standard approval process**

Fixed 12-month term at 9.45% (subject to change)

No asset security required (GSA and personal guarantee required)*

Repayments made monthly, or matched to your seasonal cash flow*

Dairy Flexi Credit

Revolving credit from $10,000 - $100,000 to cover cashflow and unexpected expenses

Available to Figured customers - Dairy Sharemilkers and Contract Milkers (NZ only)

No asset security required (GSA and personal guarantee required)*

Funding possible within 5 working days from the date of signing*

Asset Financing

Min $10K up to $100K. Over 100K is available outside of standard approval process**

Flexible repayment options via direct debit. Term up to 5 years

Available to Figured customers - NZ Farm Owners

Fast application and decision*

Frequently Asked Questions

The process was very smooth – once Figured reviewed our forecast and saw that we had the required sum of money in our account, they transferred the full loan amount.

Why Figured?

Don’t wait to get funding for your farm business.

Important information

Fast finance
for your farm

Turn your farming plans into reality with quick
access to pre-qualified finance.