Smarter vehicle leasing solutions for New Zealand businesses

Explore flexible leasing options, expert fleet management, and tailored funding strategies designed to reduce costs, improve cash flow, and support your sustainability goals.
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Tailored leasing strategies to fit your fleet

Every organisation has unique vehicle and equipment needs—and at SG Fleet, we understand that one size doesn’t fit all. That’s why we offer flexible, scalable vehicle leasing solutions tailored to your operational goals, financial strategy, and fleet size.

Whether you're looking to free up capital, streamline administration, or gain expert support in managing your fleet, our team will work with you to design a leasing solution that fits. From operating leases to finance leases and sale-and-leaseback options, we help you choose the right funding model to maximise value and minimise risk.

Explore the right leasing and funding model for your needs

Courier driver delivering a box in Auckland

Operating Lease

An operating lease is a simple, efficient way to fund your fleet while keeping vehicles off your balance sheet. With a fixed monthly payment, you gain access to vehicles along with essential services such as servicing, maintenance, registration, and more—all bundled into one predictable cost.

 

At the end of the lease term, the vehicle is returned to SG Fleet, and your organisation has no exposure to residual value risk.

 

This leasing model is ideal for organisations looking to:

  • Free up capital for other priorities
  • Reduce administrative burden by outsourcing fleet management
  • Maintain flexibility with scalable, tailored solutions

Our operating lease is the most popular funding option among our clients due to its simplicity, cost-effectiveness, and ability to streamline fleet operations.

Finance Lease

A finance lease gives your organisation the flexibility to use vehicles without the upfront capital outlay of ownership. SG Fleet purchases the vehicles on your behalf, and you pay fixed monthly instalments over the lease term.

 

At the end of the lease, you have several options:

  • Purchase the vehicle by paying the final instalment and balloon payment
  • Trade it in for a new vehicle
  • Refinance the residual value and continue leasing

Finance leases are ideal for businesses that want:

  • Low or no deposit terms
  • Potential tax advantages (subject to your organisation’s tax status)
  • The option to own the vehicle at the end of the lease

This structure offers flexibility and control while spreading costs over time.

Sale and Leaseback

If your organisation already owns its fleet, a sale and leaseback arrangement can unlock capital and reduce administrative overhead. SG Fleet purchases your existing vehicles and leases them back to you under a structured agreement.

 

This approach allows you to:

  • Free up capital tied up in depreciating assets
  • Eliminate ownership and residual value risk
  • Simplify budgeting with fixed monthly costs
  • Access expert fleet management and strategic advice

It’s a smart way to transition from ownership to leasing while gaining the benefits of professional fleet support and improved financial flexibility.

Need more than just leasing?

SG Fleet offers a full suite of fleet management services to help you reduce costs, improve compliance, and streamline operations. Let us take care of the details—so you can focus on your core business. Discover how our expert team and smart technology can help you get the most out of your fleet.

Lease or buy? Let’s find the right fit for your fleet.

Deciding whether to lease or buy your vehicles depends on your organisation’s financial goals, operational needs, and appetite for risk. At SG Fleet, we help you make the right choice—whether that’s an operating lease, finance lease, or outright purchase.

For many businesses, leasing offers a smarter, more flexible alternative to ownership. It allows you to:

  • Avoid asset ownership and depreciation risk
  • Maintain predictable, fixed operating costs
  • Improve cash flow and preserve capital
  • Boost your balance sheet and financial agility

If financial stability, cost control, and operational efficiency are priorities, leasing can be a powerful strategy.

 

Want to see how much you could save?

Get in touch today for a tailored assessment of your fleet funding options.

Request an assessment

The benefits of leasing with SG Fleet


Known, fixed costs
Enjoy predictable monthly payments that cover servicing, maintenance, and more—eliminating unexpected cost spikes.
Off balance sheet advantage
With SG Fleet as the vehicle owner, leased assets stay off your balance sheet, simplifying financial reporting. 
Conserve capital
Redirect funds previously tied up in vehicle purchases to other strategic priorities—no upfront capital required. 
Improved cashflow
Spread costs evenly over time instead of large lump-sum payments, making budgeting easier and more consistent.
Tax advantages
Lease payments may be fully tax deductible when vehicles are used to generate taxable income (subject to your tax status).
Regular vehicle upgrades 
Keep your fleet modern, safe, and efficient with access to newer vehicles featuring the latest technology and safety features.
Volume-based discounts
Leverage SG Fleet’s national buying power for savings not just on vehicles, but also on fuel, servicing, tyres, and more.
All-in-one solution
Access expert fleet management, reporting tools, and strategic advice—all bundled into one seamless service.

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Ready to optimise your fleet? Let's talk leasing.

Whether you're looking to reduce costs, improve cash flow, or transition to a more sustainable fleet, SG Fleet has the expertise and solutions to help. Our team can assess your current setup and recommend the best leasing strategy tailored to your organisation’s goals. 

 

Take the first step toward smarter fleet management today.