Future-proof your business with effective cash flow management

As a new year begins and we reflect on the challenges 2020 presented, now is the time for SMEs to plan for the future. As the saying goes, if you fail to plan then you plan to fail. But where do you start and why? Cash flow. Having an understanding of where cash is coming […]

8 Tips For Managing Cash Flow Over The Holiday Period

While the end of year period can be the busiest and most profitable season of the year for some industries, ironically it also puts a massive financial strain on many businesses. Many large companies slow down production or put off making big contracting and purchasing decisions until the new year – meaning cash flow can […]

Cash flow surety and a positive rating from the bank

Our business supplies skilled transport drivers to trucking companies. We operate throughout the North Island of New Zealand, providing casual as well as permanent drivers – often at short notice. The customers we work with are big players with large scale freight and distribution needs, and as a result our scope of work can regularly […]

Non-banks Are The Future of Lending

What’s with all the money flowing into the fintech world? And what does all this investment mean – not only for the industry and other potential new players, but also for customers of financial services and SMEs? The answer is that this new wave of non-bank finance and fintech acquisitions is changing the entire economics […]

What Is Working Capital and Why Is It Important?

At Apricity, we know that one of the most common reasons people access new finance solutions is to improve their working capital. In essence, working capital is the funds available to your business for use in your day-to-day operations. In my experience with both clients and brokers, the conversation around how to improve working capital, is always […]

Apricity helps Civil Construction client stress less and plan ahead

We are a Melbourne based civil construction company, delivering large scale projects across multiple sectors including transport, rail, road, water and landscaping. We handle all aspects of the project from earthworks and construction to hiring and training workers and machinery. For a business like ours, the challenge has always been cash flow. Often, we are […]

2009 – 2019 A lot can change in a decade…

A decade ago, you couldn’t order an Uber on your phone or indulge in a Netfilx binge on your iPad.  You couldn’t swipe right to your dating future on Tinder or book a place to stay on Airbnb. As we head towards the end of the year and indeed the end of the decade, it […]