Guides
Deep dives for the detail people
The fine print behind a good funding mix — tax timing, security, paperwork and the cash you can free up yourself. Written for New Zealand businesses.
Security and structureTax timingAssetsLender-readyOwner moneyCash flow
Mixing Funding in NZ: Who Ranks First on Security?
When you mix funding in NZ, who ranks first? How the PPSR, general security agreements, supplier terms and property security interact — and avoiding clashes.
3 October 2026
Customer Deposits and GST in NZ: When It's Due
When is GST due on a customer deposit in NZ? Time of supply, invoice vs payments basis, progress payments and how to stop deposits becoming a GST cash squeeze.
3 October 2026
Selling Business Assets in NZ: GST, Tax and Timing
Selling business equipment or vehicles in NZ to raise cash? How GST, depreciation recovery, losses on sale and PPSR checks affect what you actually keep.
3 October 2026
Write a One-Page Funding Plan Lenders Read (NZ)
How to write a one-page funding plan for a NZ lender: the goal, the full mix, the gap, how it's repaid and the risks — with a template you can copy.
3 October 2026
Funding Your Company via a Shareholder Current Account
How NZ owners fund their company through a shareholder current account: lending money in, drawings, overdrawn balances, FBT and how lenders read it.
3 October 2026
Free Up Cash in Your NZ Business Before Borrowing
Twelve ways NZ businesses free up cash before borrowing: faster invoicing, debtor follow-up, deposits, stock, idle assets, subscriptions, pricing, tax.
3 October 2026Got a goal? Let's mix the money for it.
Tell us the goal and the gap in about a minute. There's no credit check to start, nothing is blasted to a list of lenders, and one real person works out which piece you actually need.
No credit check to start
No spray and pray
A real person on your mix