Forestry Finance

Forestry operations are capital-intensive, logistically complex, and heavily influenced by external factors such as weather, export markets, and regulatory requirements. Assets work hard, utilisation is demanding, and cash flow is often tied to harvest schedules and contract terms rather than steady monthly income.

GVK Finance supports forestry contractors and operators across New Zealand with finance structured around harvesting cycles, asset wear, and operational risk. Our role is to ensure finance enables productivity and continuity — without creating unnecessary pressure during quieter or disrupted periods.

Finance Aligned to Harvest Cycles

Repayments structured around production and log sales timing.

Support for High-Use Assets

Funding designed for heavy machinery and transport equipment.

Built for Operational Resilience

Structures that account for weather and market variability.

Finance Built for Forestry Operations

Forestry businesses operate under conditions that demand flexibility. Harvesting schedules can change quickly due to weather, site access, or market conditions. At the same time, machinery and transport assets are high-value, high-wear, and essential to maintaining productivity.

Traditional finance structures often struggle to accommodate this reality. Fixed monthly repayments that ignore utilisation patterns or seasonal income can create unnecessary strain, particularly during downtime or slower export periods.

Well-structured forestry finance recognises the operational cycle — supporting peak harvesting periods while maintaining control during quieter phases.

Assets Commonly Financed in Forestry

Forestry relies on specialised assets that must perform in demanding environments.
Feller bunchers, harvesters, processors, loaders, and supporting plant critical to operations.
Logging trucks, trailers, and off-road transport vehicles used to move timber from site to processing or export points.
Skidders, chippers, and site-specific machinery required for different terrain and harvest methods.
Funding for labour, fuel, maintenance, and mobilisation between sites.

Finance Solutions Commonly Used

Forestry businesses typically use a mix of finance solutions, including:

Seasonal Payments

Term Loans

Equipment Finance

Working Capital & Revolving Credit

Refinance & Restructure

These solutions are structured together through the broader Finance Products & Solutions framework.

Who This Finance Is For

Our forestry finance solutions support:

Harvesting contractors and operators

Logging and transport businesses

Forest management service providers

Multi-crew operations working across sites

Businesses operating under long-term supply contracts

The common requirement is finance that supports heavy asset use and variable income.

How Forestry Finance Is Structured

Forestry finance must balance asset longevity with income variability. Key structuring considerations include:
Aligning repayments with log sales and contract schedules.
Structuring terms that reflect high utilisation and maintenance demands.
Allowing flexibility during weather disruptions or site access delays.
Ensuring funds are directed to assets that drive productivity and safety.

Rather than rigid repayment schedules, forestry finance is designed to flex with operational realities.

Common Finance Challenges in Forestry

Forestry businesses often encounter pressure when:

Addressing these issues through structured finance improves resilience and asset uptime.

Why Choose GVK Finance

Understanding of Forestry Operations

Finance structured around harvesting cycles and asset demands.

Heavy Equipment Expertise

Experience funding high-wear machinery and transport assets.

Independent NZ Lender Access

Ability to source structures that support variable utilisation.

Practical, Commercial Advice

Focused on productivity, safety, and sustainability.

Long-Term Support

Structures designed to evolve as contracts and sites change.

FAQs

Can repayments be reduced during downtime periods?
Yes. Seasonal or variable repayment structures can be used where appropriate.
Yes, subject to condition, age, and suitability for the work.
Often yes, particularly to support fuel, labour, and maintenance costs.

Related Blogs & Resources

Talk to a Finance Specialist

If your forestry business needs finance that reflects harvesting cycles and heavy asset use, our team can help structure the right solution.