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NZ businesses are ready to invest again. But cost arrives in a lump on a date, while the revenue arrives in slices over two years. Here is the month by month shape of a $600,000 growth step, including the month you get your cash back.

Your bank has already priced a dollar in your business at 9.73%. Most owners have never checked their own decisions against it. Here is where that price hides, and what to do about it.

Almost a quarter of last week's 4.1% inflation was petrol, priced off events nobody can forecast. When you cannot put odds on the future, efficiency stops being free. Four places to buy the ability to change your mind, with a price on each.

Business confidence jumped, but the number that predicts growth didn't move. Here's how a CFO reads the gap, and why clarity beats certainty when you're scaling.

Because most of the businesses failing right now are not short of customers. They are short of cash. And a recovery, oddly, is when that gap does the most damage. Two things are true at the same time in the New Zealand economy this winter. Business confidence has climbed to a multi-year high. Owners can feel the recovery, order books are filling, and the forecasters have us growing again. At the same time, company failures are running at their highest level in 15 years. There

New Zealand is having a moment. Halter raised NZ$377 million in March at a NZ$3.4 billion valuation and is taking its cattle collars into the US, the UK, and South America. Dawn Aerospace is building reusable spaceplanes out of Christchurch. New Zealand businesses raised around NZ$525 million across 18 rounds in the first half of this year, well up on last. Kiwi companies are taking on the world, and the capital is backing them. Here is the part that does not make the announc

A fractional CFO on where AI genuinely helps your finance work, where the danger of work slop lies, and the judgement that has to stay human.

A pattern I see often. A business has its best few months on record. Sales are up, the team is busy, the order book looks the part. Then payroll comes around and the account is tighter than it has any right to be. The numbers say the business is doing well. The bank balance says something else. You may recognise some of it. Profit on the page, pressure in the account. It is one of the most common situations I see, and it is rarely a sign that anything is wrong with the busine

See your cash position 13 weeks out. For free. Most businesses that run into cash trouble do so because they did not see it coming 6 to 8 weeks out. I built this tool because too many founders I talk to are flying blind on cash. They know roughly what is in the bank today, but they cannot tell you where they will be in two months. That is a problem. Especially if you are growing, hiring, or about to hit a lumpy expense like GST or an annual insurance premium. This 13-week cas

Running a business means juggling many tasks at once. One of the most important is managing your finances well. When we keep our forecasts up to date, we gain clarity and control. This helps us make smarter decisions and grow our business confidently. Today, I want to share how regular forecast updates can boost your businesses performance and set you on the path to success. Why Forecast Updates Matter Forecasting is not a one-time task. It’s a continuous process. Markets ch

Understand the Importance of Financial Transparency Financial transparency means having clear, accurate, and well-organized financial records. Buyers want to see a business with reliable financial data because it reduces their risk and builds trust. Without transparency, buyers may assume hidden problems or discount their offer to cover uncertainties. We want to attract potential buyers and then convert them to buy the business at the price we want. This step can really cost

When we think about growing a business, financial clarity is key. But hiring a full-time CFO can be expensive and sometimes unnecessary for smaller or growing companies. That’s where a fractional CFO comes in. They offer expert financial guidance without the full-time price tag. Today, we’ll explore the ins and outs of fractional CFO cost analysis. We’ll break down pricing models, what influences costs, and how to decide what works best for your business. What Is Fractional C

Why a 13-Week Cash Flow Forecast Matters Cash flow is the lifeblood of any business. Even profitable companies can face trouble if they don’t manage cash properly. The 13-week forecast focuses on the near term, giving a clear picture of cash movement over the next three months. This timeframe is short enough to be accurate and actionable, yet long enough to spot trends and prepare for upcoming needs. Many businesses use annual budgets or monthly forecasts, but these can miss