How advisers can help SMEs with their seasonal cash flow issues
While many New Zealanders start winding down ahead of the holiday season, the last quarter of the calendar year can actually be a stressful period for small business clients.
For some small businesses, the holiday season can be the most profitable time of year, which means more stock, more staff and more hours. For others, like the local CBD coffee shop, it’s the opposite and cash flow squeezes are common.
It’s important to remember that small businesses face unique pressures depending on their industry and customer base. Advisers can help their clients identify and plan for these specific cash flow peaks and troughs, and provide the right solution for their funding needs.
In order to help small business clients manage their cash flow and set them up for success, there are a number of questions advisers should consider in the lead up to the end of calendar year:
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