Guides
Cash flow guides for owners who hate surprises
Practical, researched and written for New Zealand small businesses: how to see a cash gap coming, close it cheaply and bridge what is left.
Cash planningGetting paidPaying billsApplying
Find Your Cash Gap Before It Finds You
A plain-English, week-by-week method to spot a business cash gap early: how deep it goes, how long it lasts and the one number to take to your lender.
25 October 2026
Profitable but No Cash? 7 Places Your Money Hides
Your accounts show a profit but the bank says otherwise. Seven places cash hides in NZ small businesses, how to find each one and how to free it up.
25 October 2026
Get Invoices Paid Faster: Days Not Months
Practical ways NZ small businesses cut the days between finishing a job and seeing the cash: terms, deposits, invoice design, reminders and scripts.
25 October 2026
Negotiate Supplier Terms: Buy Time Without Borrowing
Longer supplier terms are free working capital. How to ask for 30 days or more, what NZ suppliers want in return and the words that ease the conversation.
25 October 2026
Cash Runway: How Many Weeks Could Your Business Last?
Work out your small business cash runway in weeks, what a healthy number looks like for a NZ trade, and three ways to lengthen it before you ever need to.
25 October 2026
Bank Statements for a Cash Loan: What Gets Read
Applying for unsecured business cash in NZ? What lenders look for in your bank statements, the red flags that slow approvals and how to explain them.
25 October 2026See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to ask
No spray-and-pray
A real person on the phone