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Got a new project
on the wish list?

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

You've got finance

Prequalified up to $100,000


Figured farmers know their numbers.

Getting quick access to additional funds shouldn’t require a matching outfit and a trip to the bank. Figured Lending is on the job. Because we know you’re on top of your numbers. We’ve teamed up with Heartland Bank to give Figured farmers quick access to pre-qualified funding up to $100K.


Invoice Finance

Created for sustainability, environmental and other capital projects

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

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

Available to Figured customers - NZ Farm Owners

9.95%. Subject to change, fixed for period of the loan

Fast application and decision*

One off $500 establishment fee

Apply online now

Check your eligibility

Applicants must meet the following criteria:

  • You’re a farm owner & own the land

  • You have access to an active Figured account on a Farm Reporter or Farm Manager subscription

  • You are over 18 years old

  • You are a New Zealand Citizen or Permanent Resident

  • Your business is a registered New Zealand business (with a valid NZBN/IRD number)

Applicants must also pass satisfactory AML/identify checks and demonstrate a satisfactory credit history on all business directors/guarantors. A GSA and personal guarantee is also required.

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What type of invoices can be covered?

Farmers may use invoice finance to undertake a variety of projects aimed at improving their operations, sustainability, and profitability.

This could include

  • fencing of waterways

  • effluent ponds or upgrades

  • waterway planting

  • irrigation projects

  • shed upgrades

  • renewable energy i.e. solar installation, wind turbines

  • water storage

  • diversification projects

Frequently Asked Questions

Need more information? Check out our FAQs page

Read the FAQs

Finance your project with Figured Lending

Interested to find out more? Get in touch and we'll be happy to answer your questions.
Or if you're ready, submit an application to apply for financing with Figured Lending.

Apply online now
Get in touch

We're helping NZ farmers turn their farming ambitions into reality

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Longstream Farms, Ashburton

Watch how Ryan & Emma secured fresh capital from Figured Lending when their bank wouldn’t come to the party.

Watch the video

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C&C Dairies, Southland

Read how Colin & Chelsey’s application for a six-figure line of credit, with no asset security required, was pre-approved in just three days.

Read the story