Business Finance Guides & Explanations

Clear, practical explanations of business finance topics, from funding and cashflow to tax and valuations, inspired by real conversations with NZ business owners and experts.

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Alex Russell Alex Russell

What Actually Separates a Good Adviser From an Average One

Not all advisers are the same, even if they offer similar services.
The difference usually shows up in the small things how they handle low-value work, communicate, and build relationships over time. And that’s often what separates a good adviser from an average one.

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Alex Russell Alex Russell

5 Ways to Free Up Cash in Your Business Right Now

Cash flow pressure is one of the biggest challenges for growing businesses. The issue isn’t always revenue it’s how cash gets tied up. Here are 5 practical ways to free up cash and create more breathing room right now.

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Alex Russell Alex Russell

How to Fund Import Orders in NZ (Without Killing Cashflow)

When a viable business is under pressure, the issue is often funding not fundamentals. This article explores how accountants and debt advisors can use structured finance solutions like purchase order and invoice finance to stabilise cashflow, reduce creditor pressure, and create a path forward beyond insolvency or bank exit.

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Alex Russell Alex Russell

6 Cash Flow Killers Quietly Hurting NZ Businesses

If your business constantly feels tight on cash even when work is coming in you’re not alone. Here are 6 of the biggest cash flow killers affecting NZ businesses and what you can do to stay ahead of them.

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Alex Russell Alex Russell

How to Survive Rising Costs as a Small Business in NZ

Rising costs are putting pressure on small businesses across New Zealand. From fuel to suppliers to wages, the squeeze is real. The challenge isn’t just higher expenses it’s how cashflow struggles to keep up. Here’s what I’m seeing and how businesses are managing it.

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Alternatives to Insolvency: Funding Options Advisors Should Know

When a business is under pressure, the issue is often cashflow not viability. This article outlines how structured funding solutions can help advisors stabilise clients, reduce creditor pressure, and create a path forward beyond insolvency or bank withdrawal.

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Alex Russell Alex Russell

Got a Big Order But Need Help Funding It?

Landing a big order is great until you need to fund it. Here’s how NZ businesses use purchase order finance to pay suppliers, fulfil orders, and keep cashflow moving.

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Alex Russell Alex Russell

What is Invoice Finance NZ (Simple Guide)

I’ve needed invoice finance myself running a small FMCG business, and now I help NZ companies do the same. Here’s a simple breakdown of how it works and when it actually makes sense.

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Alex Russell Alex Russell

Slow Paying Customers in NZ?

Slow paying customers are one of the biggest cashflow challenges for NZ businesses. In this guide, I break down how invoice finance works and how you can unlock cash from unpaid invoices to keep your business moving.

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Alex Russell Alex Russell

Advice Industry in NZ

Explore how Kiwi Adviser Network supports mortgage and insurance advisers in New Zealand. This episode breaks down the role of aggregators, industry challenges, and what it takes to build a successful advice business.

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