What are the risks of taking out a personal guarantee on a loan?
Do you know the risks of offering a personal guarantee on a business loan? We’ve outlined all the key risks to think about when entering into a loan agreement.
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How builders and tradies can survive and thrive in a downturn
For builders and tradies, there could be a slowdown ahead in the construction sector. Now’s your chance to think about strategies to help your business survive – and thrive – if times get tough.
Clothes, rent, meals – what is tax deductible?
What expenses are tax deductible for your small business? Meals with clients, mortgage interest payments, and work uniforms could all be claimable – our quick Q&A will help you learn more.
5 signs you’re undercharging
Is your business undercharging for your fees? We’ve got the five warning signs that can help you diagnose whether your service prices are too low.
Minimum wage to rise in line with inflation from April 1
The minimum wage is rising as of April 1, to $22.70. Need to review your pricing? Get in touch, we are here to help.
Understanding Your Breakeven Point
Do you know your business breakeven point? Knowing how much income you must generate to cover all fixed and variable costs means you can make better business plans and financial decisions for long-term sustainability and profit.
5 Tips to help make 2023 the best year yet for your business!
Effective goal setting will help you get the very best out of 2023. Our advisers have put together 5 tips to help business owners reach new highs this year.
Holiday cashflow for your small business
Leading up to the holiday period, is your business cash flow in good health to carry you through? This time of year can be hard on small businesses. Make a plan early to ensure healthy cashflow over the holidays.
Times might be tough, but it’s all part of the economic cycle – and there will be opportunities
After six economic cycles, seasoned NZ business advisor, Geoff Hamilton, knows that a downturn is no reason to panic. Now, he shares some insight on some of the unique opportunities and challenges NZ business owners may find in the next 12 months.
How high will mortgage rates go?
Do we need to get used to 6% mortgage interest rates again? Read to know what you can do if you’re coming off a fixed term and facing higher repayments.