{"id":12977,"date":"2025-09-23T09:28:42","date_gmt":"2025-09-22T21:28:42","guid":{"rendered":"https:\/\/nzbusiness.co.nz\/?p=12977"},"modified":"2025-09-23T11:58:58","modified_gmt":"2025-09-22T23:58:58","slug":"smarter-funding-options-to-ease-cashflow-pressure","status":"publish","type":"post","link":"https:\/\/nzbusiness.co.nz\/cashflow\/smarter-funding-options-to-ease-cashflow-pressure","title":{"rendered":"Smarter funding options to ease cashflow pressure"},"content":{"rendered":"

With cashflow pressures rising and traditional bank lending tightening, SMEs are turning to flexible funding solutions. ScotPac\u2019s invoice finance and tailored lending options are helping Kiwi businesses unlock working capital and keep growth plans on track.<\/strong><\/h4>\n

For many SMEs, 2025 has been a year of frustration and resilience. Business confidence has flickered but never quite stabilised, and external shocks \u2013 from global trade tensions to conflicts abroad \u2013 have kept uncertainty high.<\/p>\n

\u201cIt feels like we\u2019ve been through three rounds of green shoots already,\u201d says Lindsay Fisher, General Manager of ScotPac New Zealand. \u201cJust as sentiment starts to lift, something offshore knocks it back again. It makes it hard for business owners to plan with confidence.\u201d<\/p>\n

The cashflow crunch<\/strong><\/h2>\n

One of the most visible impacts Lindsay says has been on cashflow. Payment terms are stretching out, sometimes by weeks, as large customers hold onto cash for longer. That creates a domino effect: SMEs can\u2019t pay suppliers or the IRD on time, tax debt rises, and access to traditional bank lending becomes harder.<\/p>\n

Lindsay says this \u201ccashflow squeeze\u201d is the single biggest challenge facing SMEs right now. \u201cWhen banks look at financials showing overdue creditors or tax debt, they\u2019re reluctant to extend lending. But often the issue isn\u2019t the business model \u2013 it\u2019s the timing of payments.\u201d<\/p>\n

For businesses hitting a wall with traditional lenders, non-bank options can provide a lifeline. One example Lindsay says is invoice finance \u2013 essentially unlocking the money tied up in unpaid invoices.<\/p>\n

As Australia and New Zealand\u2019s largest non-bank business lender, ScotPac has been providing such flexible working capital solutions for over 35 years. The company\u2019s flagship product \u2013 invoice finance \u2013 enables businesses to unlock the cash tied up in unpaid invoices, giving them up to 80 percent of the invoice value up front.<\/p>\n

\u201cIn simple terms, we step into the middle of the cashflow cycle. If you\u2019ve invoiced a customer for $100,000 and they\u2019ll only pay in 45 days, we can advance you up to 80 percent \u2013 $80,000 of the invoice value up front. When your customer pays, you receive the remaining balance, less fees. It\u2019s a proven tool used by companies of all sizes, and it\u2019s particularly valuable for SMEs who need to keep moving without waiting weeks for payment.\u201d<\/p>\n

Lindsay says that invoice finance is widely used overseas, from SMEs to large corporates like Coca-Cola. \u201cYou don\u2019t have to sit on your hands waiting for payment before you can pay wages or order stock. We\u2019ve helped start-ups cover payroll and established firms take on new contracts without missing a beat.\u201d<\/p>\n

\"\"<\/a>
Lindsay Fisher.<\/figcaption><\/figure>\n

When flexibility matters most<\/strong><\/h2>\n

For SMEs, flexibility is key. Unlike banks, which often require two years of financials and set facilities in stone, non-bank lenders like ScotPac can take a more tailored approach.<\/p>\n

\u201cWe look at the story of the last three to six months, not just the last two years. If we can see things improving \u2013 new contracts signed, margins stabilising \u2013 we\u2019ll work with that. It\u2019s about backing the recovery, not penalising the past.\u201d<\/p>\n

ScotPac\u2019s product suite also includes other funding options for SMEs, from quick-turnaround short-term business loans to Trade Finance for managing supplier payments, and a new revolving line of credit launching later this year. \u201cThe idea is to let businesses draw down funding when they need it, pay it back when they don\u2019t, and keep interest costs down,\u201d Lindsay says.<\/p>\n

One example Lindsay highlights is a labour hire business that launched with nothing but a strong client network and a committed team. \u201cThey had the people and the contracts lined up but no capital to cover their first payroll. Through invoice finance we funded those wages in week one. Five years later, they\u2019re still with us, having grown their facility significantly and doubled their workforce. That\u2019s the kind of impact tailored funding can have.\u201d<\/p>\n

What SMEs should keep in mind<\/strong><\/h2>\n

For business owners considering alternative finance, Lindsay has three pieces of advice:<\/p>\n

    \n
  1. Know your cashflow cycle. Map when money comes in and goes out. The tighter the gap, the less external funding you\u2019ll need.<\/li>\n
  2. Ask about total cost, not just rates. Transparency is critical. \u201cYou should know upfront: if I borrow $100,000, what will I pay back and over what period?\u201d Fisher says.<\/li>\n
  3. Focus on the value of a \u2018yes\u2019. If funding enables you to seize a growth opportunity, keep staff paid, or invest in efficiency, that value can outweigh a higher cost compared to bank finance.<\/li>\n<\/ol>\n

    For SMEs, the message is clear: Don\u2019t let cashflow constraints hold you back. Explore the full range of funding tools available, from mainstream banking to non-bank solutions, and choose the mix that fits your business stage and goals.<\/p>\n

    \u201cFinance should be there to support your plans. It\u2019s about finding the right tool for the job, not a one-size-fits-all solution.\u201d \u00a0<\/span><\/p>\n

    For more, visit www.scotpac.co.nz<\/strong><\/a>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

    With cashflow pressures rising and traditional bank lending tightening, SMEs are turning to flexible funding solutions. ScotPac\u2019s invoice finance and tailored lending options are helping Kiwi businesses unlock working capital and keep growth plans on track.<\/p>\n","protected":false},"author":15,"featured_media":12998,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[556,466,469],"tags":[519],"magazine":[],"class_list":["post-12977","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cashflow","category-finance","category-sponsored-content","tag-lead"],"acf":[],"yoast_head":"\nSmarter funding options to ease cashflow pressure | NZBusiness Magazine<\/title>\n<meta name=\"description\" content=\"With cashflow tightening and bank lending tough, ScotPac helps SMEs unlock capital and keep their growth moving.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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