What the cash is for
Business cash for the things that won't wait
Stock, wages, a dead oven, an IRD bill or a deal that expires Friday. Here's how business cash works for each one.
Cash for stock
Funding stock ahead of a peak season, launch or large order in NZ: how to size the buy, line repayments up with sales and avoid tying cash in slow lines.
Read more →Supplier deals
A bulk discount, clearance lot or early-payment offer with a short fuse? How NZ owners test whether a deal beats the cost of funding and move fast enough.
Read more →Equipment breakdown
A broken oven, van or machine stops income fast. How to price repair versus replace, find cash quickly and keep trading while the new gear is sorted.
Read more →Cash for wages
Payday coming up and takings behind? How to protect wages, PAYE and KiwiSaver, which bills to move and how to bridge a pay run without missing a beat.
Read more →Clear an IRD debt
Owing Inland Revenue and watching penalties grow? How charges build, your options from instalments to business cash, and when clearing the debt makes sense.
Read more →Marketing push
Funding advertising, a rebrand or a launch: how NZ owners test whether marketing will repay the money borrowed and keep repayments in step with results.
Read more →Fit-out or new site
Opening a second site or refitting premises takes cash long before the doors open. See what a fit-out really costs and how to fund it without starving trading.
Read more →Annual bills
Insurance renewals, ACC levies, vehicle registration and other annual bills can empty the account in a day. How to plan for them and spread the load.
Read more →See what your business could qualify for
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