So, if the bank says ‘no’ and you’re wondering where to go next to access business finance, this is the place for you. Are you a contractor in a rapid growth situation? A property investor who's hit a lending ‘brick wall’? Someone who had to give up the day job to start the business but now the bank says you haven’t got any income? Someone with no real estate assets who can’t get a bank facility?

Cash is king. Ultimately, the purpose of business is to make a profit. Most of the time though, not running out of cash and/or having cash to do what you need to do, is the only thing that matters. You might have a really profitable business idea/model/opportunity, but if you can’t make the necessary capital investment, or don’t have enough working capital to keep going or to cope with growth, your business will still fail.

Every year thousands of businesses are started in New Zealand. A large percentage don’t make it past the second year. Why? Well no doubt there are as many detailed explanations as there are business failures, but ultimately what happened to the vast majority is that they ran out of money, or could see that they were going to run out of money, and so closed. They needed business finance and couldn't get it.

Many of these businesses had good business ideas and good people. Many were operating in areas where there was high need/demand for what they do. Many were operating in fields that provide high profit margins. ……..And yet they still ran out of money.

New Zealand Business Finance New Zealand business finance. Keeping up to date with the business financial sector. New Zealand perspective.

Factoring Debt finance resources for New Zealand businesses. Why use factoring? Factoring accounts receivables as an alternative method of raising working capital.

Invoice Discounting Invoice discounting, sometimes known as spot factoring, is a way of raising short-term working capital for under-capitalised, small businesses.

Business Loans Accessing business loans. Options. Resources. Tips. This section is dedicated to helping you figure out the 'how to' of getting business loans.

Financing A New Business Options for financing a new business. One of the most important questions for anyone starting a new business venture is 'how will I finance it ?'

New Zealand Business Finance Contact New Zealand business finance dot com contact information.

New Zealand, Case Studies New Zealand business finance case studies.

Trade Finance Trade Finance options for smaller New Zealand businesses. Finance models structured for under-capitalised businesses.

Small Business Resources Small business resources. Resources aimed at New Zealand based small businesses.

Business Finance - Client Testimonials New Zealand Business Finance.com clients give feedback on their experience.

Women In Business Join the move toward women in business. Audrey Owen, Retirement Investigator, writes about trends regarding women in business.

Business Finance New Zealand Business Finance about us page. Profile of company director and site build it webmaster, Tim Levchenko-Scott

Finance Investment Property How to Finance Investment Property. Tips and techniques from a New Zealand perspective.