The cash flow desk
Cash flow for NZ businesses: debtors, buffers and timing
Why the bank balance and the profit figure disagree, how Kiwi payment terms shape your month, and how to keep enough on hand for the lean weeks.
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Cash flow vs profit: why a profitable business can still run short
Why a profitable New Zealand business can still run out of cash: debtors, stock, GST, provisional tax and loan repayments, with a worked example and fixes.
Read it →- 02 Payment terms in New Zealand: is "20th of the month" costing you?20th of the month following is the default payment term in New Zealand. What it really costs your cash flow, and terms that get you paid sooner.
- 03 Chasing unpaid invoices: a calm, step-by-step systemHow to chase unpaid invoices in New Zealand: a reminder timeline that works, what to say, when to stop supplying, and the Disputes Tribunal up to $60,000.
- 04 The summer close-down: planning cash from December to FebruaryPlan cash flow for the NZ Christmas close-down: holiday pay, slow January receipts, and the 15 January GST and provisional tax dates landing together.
- 05 How big should your business cash reserve be?How to size a cash reserve for a New Zealand business: weeks of outgoings, seasonality, tax dates and customer risk, with a worked example and a plan.
- 06 Stock and supplier terms: freeing the cash sitting on your shelvesHow stock and supplier terms shape cash flow in a New Zealand business: stock days, slow lines, reorder points and negotiating terms with suppliers.
Numbers done? Let's talk about funding them
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