About Lock Finance

Our prime goal is to help New Zealand businesses grow through the use of a number
of business lending tools. As New Zealand's leading independent business finance and
factoring service provider we set ourselves apart through three key factors,
ownership, people and a flexible product portfolio.


We think it counts for something when all of our operational and strategic decisions are made in New Zealand. Additionally, with our chairman Peter Goodfellow, we have a shareholder that has a demonstrated track record in business success and commercial finance, that truly understands the domestic and international challenges experienced by the New Zealand business community, especially their involvement in importing and exporting.

We have been established since 1889 and are 100% New Zealand owned. We are proud of our history and it is an essential part of who we are. However, just as importantly, it has enabled us to continuously develop our capability as a specialist business funding provider.

The Lock Finance approach

Like many of our clients we are a medium-sized company. We know that time is money and have designed our systems and processes to make life easy. They combine both flexibility and fast response which means we take immediate action when any client issues arise.

We service niche markets where we can add value through premium service industry knowledge. And each client has two points of contact with us, so all queries are dealt with accurately and promptly.


McInnes Manufacturing

McInnes Manufacturing is a family owned business based in Waipu, Northland. Their innovative, award winning plastic rotational molders for calf rearing were born from years of dairy farming experience.

The organisation previously had an Invoice Finance facility with another finance company that was unsatisfactory and a decision they ended up regretting. Fortunately, turning to Lock Finance was a decision that was quite the opposite.

Ross Papworth, Financial Controller explains that dealing with Lock Finance “has been a sensational experience”. Their more flexible Invoice Finance facility opened up the ability to use their cashflow more effectively and grow their business globally.

McInnes Manufacturing now exports to Europe, USA, South America, Australia and China and working with Lock Finance allowed them the opportunity to develop these markets more vigourously.

Ross says that the systems in place at Lock are “simple, very easy and quick! The staff are incredible and make things straight forward”.