About the NZ edition
About The Business of Money, New Zealand edition
Written for owners who would rather understand GST, provisional tax and their margins before a lender ever comes into it.
The Business of Money began as an Australian title. This is its New Zealand edition: the same magazine format and the same editorial habits, but written from scratch for businesses that deal with Inland Revenue, file GST at 15%, pay provisional tax and contribute to KiwiSaver. The desks cover cash flow and debtors, pricing and margins, GST, provisional tax and the IRD calendar, and employing staff, buying a business and growth. Our features take the bigger questions further.
Why start with the money questions?
Very few owners type "business loan" into a search bar first. They look up how much GST to keep aside, why the second year of trading brought a tax bill twice the size they expected, what the April minimum wage change does to a quote, or whether a business for sale is priced sensibly. Those questions deserve straight answers with the working shown and the official source linked, whether or not finance ever enters the picture.
When it does, an owner who already knows their numbers has a quicker, more useful conversation. That's the point of putting the editorial and the lending side under one masthead.
Who reads it
Owners of trading businesses from Northland to Southland: builders and electricians, cafés and hospitality venues, retailers and online sellers, manufacturers, transport operators, clinics and professional practices, orchards and contractors. People weighing up a first hire, a second site, a bigger contract, an equipment purchase or a business for sale.
What the lending team can look at
- Unsecured and cash-flow options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
- Property-secured business loans from $20,000 to $5,000,000 (first mortgages, second mortgages and caveat-style security over residential or commercial property).
- Bad credit and IRD debt considered case by case.
- Business purposes only. We don't publish interest rates; each facility is priced on the business in front of us.
Our promises
No credit check to ask
Finding out what's possible leaves your credit file untouched. A check is only discussed if you decide to apply.
Not shopped around
Your enquiry isn't fired off to a queue of lenders or sold as a lead. One team handles it, start to finish.
A person, not a portal
Someone who knows how NZ businesses run reads what you wrote and rings you. Honest answers on the form make that first call count.
Put simply: asking us a question won't touch your credit file, your enquiry isn't passed around or auctioned, and the person who rings you will have read what you sent. The one thing we ask is that you fill the form in accurately, because that's what lets the first call point you somewhere useful.
How we write and check
Pages are written by The Business of Money editorial team (NZ). We check thresholds, rates of contribution and due dates against current official sources, mainly Inland Revenue, business.govt.nz, Employment New Zealand and ACC, and revise pages when those change. Worked examples are illustrative and don't describe real businesses. Where the right answer depends on your situation, we say so and point you to your accountant or adviser.
The Business of Money (New Zealand edition) is operated by Leadsource International Manager Limited (NZBN 9429047325371), trading as The Business of Money, based in Christchurch. The Australian edition is published separately for Australian businesses.
Numbers done? Let's talk about funding them
About a minute to tell us the amount and the reason. No credit check to ask, no passing your details around, and a person on our NZ team who rings you with options that suit.
No credit check to ask
Not shopped around
A person, not a portal