Nearly two-thirds of NZ SMEs reported falling revenue last year. Costs haven't followed. If your bank balance feels worse than your P&L suggests it should, here's what's actually happening and what to do about it.

By 2046, the boomer death rate is projected to reach 195,000 per year. The wealth tied up in their businesses has to go somewhere. The question is whether yours will command a premium, or get discounted.

Shareholder current accounts can be useful but when unmanaged, they can create cashflow pressure, tax exposure, and lending risk. Learn how overdrawn balances develop, how banks and Inland Revenue view them, and how business owners can manage drawings without draining cash from the business.

Cashflow challenges are putting increasing pressure on New Zealand businesses, with the IRD now taking a tougher stance on unpaid tax and overdue payments. At Informed Decisions, we believe most of these situations can be prevented through proactive cashflow management, not just by increasing revenue, but by improving how businesses handle debtors, creditors, stock, and drawings. Our Virtual CFO services give business owners the visibility and structure they need to protect their business, maintain compliance, and grow sustainably.