Fixed Loan Facility NZ

Fixed Loan Facility

A fixed loan facility gives businesses a predictable, structured way to borrow capital with a set interest rate and repayment schedule. For NZ businesses managing long-term commitments — whether purchasing assets, refinancing existing obligations, or stabilising cash flow — a fixed loan delivers certainty, reduces volatility and provides a foundation for confident planning.

At GVK Finance, we tailor fixed loan facilities to your operational profile and growth objectives. We assess how your business generates revenue, how you use assets, and where financial control can be enhanced to ensure the facility supports your real-world needs.

Predictable Repayments

Fixed rates and repayment timing give clarity to budgeting and cash flow management.

Strategic Financial Planning

A fixed loan supports long-term decisions without exposure to market interest fluctuations.

Aligned with Business Operations

Structured around cash flow cycles, asset usage and growth plans.

Finance Built for Business Growth

A fixed loan facility is not just another debt instrument — it is a financial tool designed to align with how your business operates and plans for the future.
For businesses in sectors such as transport, construction, manufacturing or professional services, knowing exactly what your repayments will be and when they occur is essential. Market-linked rates or rolling facilities can introduce uncertainty, particularly when planning multi-year investments or managing tight margins.

A fixed loan facility allows business owners and financial managers to budget with confidence. Whether you’re securing a new asset, refinancing existing obligations, or funding expansion, the fixed structure removes one variable — interest rate movement — so you can focus on operational execution and growth.

Assets and Purposes We Commonly Support

Fixed loan facilities can be applied to a range of business needs and recognised asset types:

Vehicle and Transport Assets

Structured finance for commercial trucks, vans and trailers with predictable repayment schedules.

Plant and Machinery

Equipment acquisitions and upgrades where a fixed cost of capital enhances forecasting.

Commercial Property Debt

Funding for premises or property used in business operations to stabilise long-term occupancy costs

Working Capital and Reinvestment

Longer-term working capital support reduces dependency on short-term variable facilities.

Finance Solutions Commonly Used

Fixed loan facilities may be structured alongside or within:

Term Loans

Refinance & Restructure

Working Capital & Revolving Credit

Project Funding

Release of Equity

Each arrangement leverages fixed pricing to ensure stability over the life of the facility.

Who a Fixed Loan Facility Is For

Fixed loan facilities typically suit businesses with:

Long-term investment or acquisition plans

Cash flow that benefits from consistent repayment profiles

Assets with predictable lifecycle and resale value

Owners prioritising financial certainty over interest rate flexibility

Operational plans spanning multiple years

These may include transport operators, manufacturers, civil contractors, agricultural services, and professional firms with capital commitments.

How a Fixed Loan Facility Is Structured

A fixed loan facility is built from an understanding of your business’s financial rhythm and asset profile. Key factors include:

Cash Flow Stability

Repayments are matched to predictable income streams rather than seasonal volatility.

Asset Life and Value

Assets with useful lives that exceed the loan term support fixed facilities, aligning cost with utility.

Capital Allocation Strategy

Ensuring capital is deployed where it drives operational outcomes rather than financial churn.

Risk Considerations

Fixed rates remove exposure to market interest changes, which supports planning but requires confidence in long-term forecasts.

Rather than adopting a one-size-fits-all approach, we design fixed structures around how your business actually earns, uses and reinvests capital — providing more certainty without constraining flexibility.

Why Choose GVK Finance

40+ Years of Practical Experience

Deep understanding of NZ business finance dynamics across sectors.

Tailored Structures Focused on Operations

Finance that supports your business rhythm, not generic lender checkboxes.

Extensive NZ Lender Network

Access to funding partners that support fixed terms at competitive rates.

Business-First Advice

Commercial perspective grounded in cash flow and asset strategy.

Clarity and Transparency

We explain how each component works so you can make informed decisions.

FAQs

What is a fixed loan facility?

A fixed loan facility is a loan where the interest rate and repayment schedule are agreed upfront, providing certainty over cost and timing.

How does a fixed loan differ from variable finance?

A fixed loan has stable interest and repayment amounts, whereas variable facilities can change with market rates, which may affect cash flow planning.

Can fixed loans be refinanced?

Yes — fixed facilities can be refinanced if it aligns with business strategy and market conditions, often as part of a restructure or debt consolidation approach.

Related Blogs & Resources

Talk to an Asset Finance Specialist

If your business needs certainty around capital costs, a fixed loan facility may be the right solution. Our specialists can help you explore structured options tailored to your operations.