The Weight Of Business
Xero’s recent Emotional Tax Return shows that 75% of Kiwi small business owners found the 2025/26 financial year more stressful than past years, with rising costs and unpredictable demand cited most often. Nearly half (47%) have even considered giving up their business because of that stress, and financial management is a major pressure point. Yet only about 10% seek professional advice when they are stressed.
Early Conversation Matters
Under pressure, many business owners make hasty financial choices. This often includes turning to unsecured lenders, without fully understanding the costs or alternatives.
Trusted professionals may able to shift that pattern by asking simple questions early, such as:
- Do they have creditors they’re struggling to pay?
- Are cashflow shortfalls hurting their ability to operate?
- Are there upcoming tax / IRD cash demands they haven’t planned for?
An Option Often Missed – Equipment Backed Working Capital
One solution many business owners overlook is unlocking value from existing equipment. Whether this is now, or as part of future cashflow planning, structured funding against assets can offer better outcomes and lower cost than unsecured lending.
At Auckland Finance, our appetite for used equipment lending is stronger and broader than many lenders. This enables a diverge range of options when advising on funding and cashflow strategy.
The Advisor Advantage
With just 10% of small businesses seeking professional help when faced with major stress and financial complexity, there is great opportunity for professionals-alike to initiate the conversation themselves.
By initiating the conversation before clients feel overwhelmed, you can help:
- prevent rushed, high-cost decisions,
- explore structured funding options tied to existing assets, and
- improve outcomes well ahead of year-end stress
Lets Start The Conversation
My line is open for an efficient overview chat, to see whether a clients challenges can be addressed and resolved through our solutions.
Josh Veal
Business Development Manager
0274791090