As the festive season approaches, New Zealand SMEs face unique cashflow challenges and opportunities. Implementing smart strategies now can set your business up for a strong start to the new year.

I talk to business owners all over New Zealand every single day. From owner-drivers in the transport sector to contractors running earthmoving fleets, the story is often the same: “Roger, I need to expand to take on this new contract, but the price of brand-new gear is eye-watering.”

Every New Zealand business owner understands the critical importance of cash flow. It’s the lifeblood of your operation—enabling you to pay staff, invest in growth, and navigate the inevitable ups and downs of the market. Without healthy cash flow, even profitable businesses can struggle.