Guides
Guides for business owners in a tight spot
These guides answer the questions New Zealand business owners ask when things get hard: what IRD will do next, how a statutory demand works, what liquidation really means, and how to borrow when the bank has said no. Each one starts with a direct answer and ends with what to do next.
IRD
- IRDIRD instalment arrangements, explainedHow to set one up, what it costs, and when paying IRD out in full makes more sense.
- IRDWhat happens when IRD issues a liquidation proceedingThe steps from IRD's letters to a High Court liquidation order, and where you can still act.
- IRDGST and PAYE arrears: what IRD does, stage by stagePenalties, interest, deduction notices and court action — how IRD escalates, and where you can step in.
- IRDCatching up on overdue tax returns: a practical planHow to get from years behind to up to date, in the right order, without drowning.
Creditors
Insolvency options
- Insolvency optionsLiquidation vs voluntary administration vs creditor arrangements: who's in control and who gets paidThe four main paths for a company in trouble, compared on control, cost and outcome.
- Insolvency optionsQuestions to ask any insolvency practitioner before you sign anythingA checklist for your first meeting, so you understand control, fees and alternatives before you commit.
Directors
Banks and lenders
- Banks and lendersHow New Zealand banks assess business loans, and why they declineThe five things a bank tests, and why a sound business can still fail them.
- Banks and lendersWhat lenders need to see from a business in troubleThe short list of what matters, and how to present it so a lender can say yes.
- Banks and lendersWhat an exit strategy is, and why lenders care so muchHow a short-to-medium-term loan is meant to end, and how to plan it from day one.
Credit
Security
- SecurityUsing your home equity to save your business: the risks and the rewards, honestlyThe most common way owners fund a turnaround, and the questions to answer before you do it.
- SecuritySecond mortgages for business funding, explainedHow ranking and equity work, and why a second mortgage can leave your home loan untouched.
Cash flow
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