Lock Finance


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Address: 45 Queen Street Level 14 Tower Centre , Auckland, Auckland 1010

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About Lock Finance

  • Our bank – the ASB put us on to Lock Finance and we’re very glad they did
  • We think it counts for something when all of our operational and strategic decisions are made in New Zealand
  • Additionally, as a company within the Amalgamated Dairies Group, 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
  • While we have been established for 30 years, the last 5 years of the global financial crisis and our link in the chain of the building industry has put pressure on our debtors ledger
  • Because we were buying goods in advance in India and we had to pay for them before shipping, we had a very bad cash flow cycle


Products & services

Working capital


Whether it is due to rapid growth, seasonality or lack of time to chase debtors or a long business cycle, the end results are the same pressure, under performance and the inability to grow. This opt…

Trade Finance


Our extensive experience in international trade, including international payments means we can offer a full range of trade finance products that are supported by an individually focused service. Our…

Debtor finance


This product is ideal for more established companies who are experiencing growth or seasonal constraints and want to maximise the amount of cash they can borrow against their business assets. Our De…



In addition, we look after the day to day management of accounts receivable, so precious time is not wasted chasing customer payments. Factoring is ideal for developing/fast growing companies and bu…

Products - Business Finance


Whether you need funding for a new business start-up, MBO, an acquisition, cash flow financing, to consolidate debt or simply to support organic growth, we can help. We've helped businesses achieve …

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