Working Capital Finance for New Zealand Businesses
Cash flow gaps are common, even in profitable businesses. We help NZ business owners structure working capital that fits how the business actually earns and spends, with independent access to multiple lenders and no cost to you.
What is working capital
Working capital is the cash your business needs to cover day-to-day costs, stock, wages and short-term bills before customer payments land. Most businesses hit a gap between spending and getting paid at some point. What matters is having a funding structure that covers it without disrupting how the business runs.
Cash Flow Timing
Working Capital Ratio
Debtor & Stock Cycles
Facility Fit
Working Capital Options
A working capital shortfall can be covered in more than one way. The right facility depends on how the gap shows up, not just how big it is.
Revolving Credit Facilities
Draw down and repay as cash flow allows, rather than a fixed lump sum. Suited to ongoing or seasonal working capital needs.
Business Overdraft
A buffer against the everyday transaction account for short, unplanned gaps between payments in and payments out.
Invoice & Debtor Finance
Funding drawn against unpaid invoices, useful where growth is tied up in receivables rather than cash.
Trade & Supplier Finance
Covers the cost of stock or materials before they're sold or invoiced. Common in import, wholesale and manufacturing.
Short-Term Business Loans
A fixed amount over a defined term, suited to a one-off working capital need rather than an ongoing facility.
Asset-Backed Working Capital
Existing business assets or property used as security to access a larger or lower-cost facility.
Frequently Asked Questions
Further Reading on Working Capital
Short-Term Loans' Role in Business Success
Secured vs Non-Secured Loans
How a Financial Adviser Can Help Your Business
5 Financial Planning Mistakes NZ Businesses Must Avoid
Working Capital That Fits How the Business Runs
The wrong facility can cost more in fees and flexibility than the gap it was meant to cover. We work across NZ's lender market to structure working capital that matches actual cash flow, not a generic template.