Is Your Business Finance Ready?
We’re in a unique moment for business owners and investors across New Zealand. A generation of long-standing operators are starting to sell, meaning there are strong, proven businesses coming to market, often with solid customer bases and long-term cashflow potential.
For those ready to grow or invest, that presents real opportunity. But as the lending landscape tightens and banks place more focus on risk, equity position, and financial covenants, the success of any investment or sale relies heavily on one thing: the strength of your financial management.
At Informed Decisions, we believe that finance shouldn’t just tick a compliance box it should drive confident decisions.
The Changing Landscape: A Time for Smart Investment
Many business owners are looking for their next move — whether that’s preparing for sale, stepping back from daily operations, or acquiring another business.
We’re seeing an increasing number of investment opportunities with real substance — profitable businesses, strong customer relationships, and loyal staff. But taking advantage of these opportunities requires clarity and confidence.
That’s where smart financial management makes all the difference. With accurate data, cashflow forecasting, and management reporting, you can identify genuine value and avoid costly surprises.
What Lenders Are Looking For
Lenders have become more analytical in their approach, looking closely at:
Equity position – How much capital are you contributing to the deal?
Risk and mitigants – What could impact your ability to service debt, and how are those risks managed?
Financial covenants – Are you maintaining agreed ratios such as debt-to-equity or interest cover?
Reporting quality – Are your management accounts consistent, timely, and reliable?
Having a strong story behind your numbers — not just a spreadsheet — is what helps a lender get comfortable. It’s also what sets apart a business that’s simply operating from one that’s prepared for growth or acquisition.
Where Many Businesses Fall Short
Traditional accounting reports are often prepared for tax or compliance purposes, not for lending or strategic decision-making.
From our background in banking, we regularly see financial statements that don’t show what a lender truly needs to assess:
Debt servicing capacity – Can the business consistently meet its loan commitments?
Working capital movements – How effectively is cash tied up in operations?
Sustainable profitability – Are earnings strong enough to support future growth?
That’s where Informed Decisions bridges the gap.
We translate accounting data into insights and reporting that lenders understand and trust — helping you present your business in the best possible light when it matters most.
How Informed Decisions Can Help
We understand what lenders, investors, and buyers are looking for — and we help you prepare for it.
Our Virtual CFO services and financial management support cover everything from the fundamentals to the strategic detail:
Cashflow forecasting and management reporting that drives better decisions
Lending application support, including detailed financial analysis and risk preparation
Year-end and data entry support, ensuring accurate and complete financials
Investment and exit strategy analysis, helping you identify opportunities or prepare your business for sale
We also provide cover for accounts processing, whether that’s to maintain operations during staff leave or transitions, or to bring extra capacity during busy periods.
Every engagement is about empowering business owners with clarity so you can make informed, confident decisions about your next move.
Finally
We’re in a market full of opportunity but only for those who are financially ready. Whether you’re looking to buy, sell, or strengthen your position, the ability to demonstrate control, insight, and credibility in your financials is what gets deals done.
At Informed Decisions, we help you make sense of the numbers and use them to your advantage because strong financial management isn’t just about compliance; it’s about creating confidence, opportunity, and growth.
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