So, if the bank says ‘no’ and you’re wondering where to go next to access business finance, this is the place for you. Are you a contractor in a rapid growth situation? A property investor who's hit a lending ‘brick wall’? Someone who had to give up the day job to start the business but now the bank says you haven’t got any income? Someone with no real estate assets who can’t get a bank facility?

Cash is king. Ultimately, the purpose of business is to make a profit. Most of the time though, not running out of cash and/or having cash to do what you need to do, is the only thing that matters. You might have a really profitable business idea/model/opportunity, but if you can’t make the necessary capital investment, or don’t have enough working capital to keep going or to cope with growth, your business will still fail.

Every year thousands of businesses are started in New Zealand. A large percentage don’t make it past the second year. Why? Well no doubt there are as many detailed explanations as there are business failures, but ultimately what happened to the vast majority is that they ran out of money, or could see that they were going to run out of money, and so closed. They needed business finance and couldn't get it.

Many of these businesses had good business ideas and good people. Many were operating in areas where there was high need/demand for what they do. Many were operating in fields that provide high profit margins. ……..And yet they still ran out of money.