Kunal Topiwala, Author at SME Financial

Using a credit card strategically can help improve cashflow and unlock funding opportunities for your NZ business.

Business credit: how a credit card helps your business

June 26, 2025 / Kunal Topiwala

A business credit card might not be the first thing that comes to mind when thinking about funding, but when used well, it can boost cashflow, build credit and open doors for future finance. Here are five ways we believe a business credit card can support your business.

Struggling with cashflow or finding new clients? Discover practical tips for NZ tradies and small businesses to steady finances, win work, and navigate tough times.

Feeling the Pinch? Cashflow Tips for Kiwi Tradies in Tough Times

May 14, 2025 / Kunal Topiwala

Struggling with cashflow or finding new clients? Discover practical tips for NZ tradies and small businesses to steady finances, win work, and navigate tough times.

Making your business work for you means building a strategy that supports your ideal lifestyle, ensures long-term success, provides a stable income, and is guided by expert business advisors who help you make smarter financial decisions.

Making your business work for you: securing your lifestyle

March 26, 2025 / Kunal Topiwala

Is your business providing the income you need to secure your desired lifestyle? We’ve got some tips for boosting revenue, profits and your ability to draw down income.

Setting personal and financial goals for your business

Making your business work for you: the big goal

February 19, 2025 / Kunal Topiwala

Is your business helping you deliver on your personal goals? Our new article looks at ways to make your business work for you, with handy hints on setting and tracking your goals.

Here are the skills you will need as you get ready to take on the family business as a successor

Taking on the Family Business

November 20, 2024 / Kunal Topiwala

Becoming the successor to the family business is an honour – but it can also be a daunting role to take on. We’ve summarised five of the core skills you need as the head of the business.

Here is some expert advice on when is the right time to pass your family business to the next generation of successors.

The right time to hand your family business over

October 30, 2024 / Kunal Topiwala

If you're considering transitioning your family business to the next generation, timing is crucial. Discover the best approach and timing for a smooth succession with our expert insights.

Business strategies for new zealand businesses to right the economic wave of confidence

NZ Business confidence soars: how to ride the wave

September 25, 2024 / Kunal Topiwala

Business confidence in New Zealand rose to its highest level for a decade in August. We’ve got some tips on how to ride this wave of confidence and bring your business into brighter times.

Chasing up payments in down economies can be challenging, but here are some tips to help your recover your cashflow.

Following up on invoice payment in a down economy

August 22, 2024 / Kunal Topiwala

It can be challenging following up on payment of invoices when the economy has been down, but it is important to keep cash flowing into your business. As with all business dealings right now, there are tactics you can use to help.

Financial Management and budgeting is vital for the health of a business. Talk to our experience client advisers today.

Budgeting for success: the importance of good financial management

July 24, 2024 / Kunal Topiwala

A solid budget is the foundation for your company’s financial management and success. Here are 4 ways to stay in control of your business budgeting.

Budget Summary for Small Business Owners with Trusts in 2024

June 12, 2024 / Kunal Topiwala

From 1 April 2024, trustee income tax rises to 39%. Trusts earning <$10,000/year and certain special trusts stay at 33%. Inland Revenue clarifies what actions are acceptable. Will this apply to your trust and what actions should you take if it does?

Kunal Topiwala

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