Timing problems
Cash flow gaps: when bills beat the money in
Most cash crunches aren't about a bad business. They're about timing. Find your gap, see how big it is, and see how owners bridge it.
Slow-paying invoices
Long payment terms starve a small business of cash. How to measure the invoice gap, tighten collection and bridge the wait with funding that repays itself.
Read more →Customer payment delayed
A big customer hasn't paid and bills are due. What to do this week: chase effectively, protect priority payments and bridge the delay with fast business cash.
Read more →Bills due at once
Several big bills landing in the same week can drain a sound business. How to map the pile-up, spread what you can and bridge what you can't.
Read more →GST return crunch
GST due and the account can't cover it? Key due dates, why the crunch keeps happening and how to pay Inland Revenue on time without starving the business.
Read more →PAYE and KiwiSaver cash flow
Employer KiwiSaver rose to 3.5% on 1 April 2026. What PAYE dates, payday filing and the rise mean for small business cash flow, and how to cover them.
Read more →Seasonal cash flow
Tourism, hospitality, retail and trades all face quiet seasons. How to map your year, save in the peak and fund the trough with finance matched to your cycle.
Read more →Growth cash gap
Why growing businesses run short of cash, how to calculate the growth gap and which funding options keep expansion going without choking the account.
Read more →Summer shutdown gap
Closing over Christmas and January? How the shutdown squeezes NZ cash flow, why 15 January is a big tax date and how to fund the weeks until you reopen.
Read more →New contract start-up
Won a big contract but costs start before the first payment? How to size the mobilisation gap, ask for progress payments and fund the weeks in between.
Read more →See what your business could qualify for
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