by Cameron Bagrie | Jun 1, 2022 | Blog, News
Warren Buffet once commented that when the tide goes out, you find out who has been swimming naked. Skinny-dipping has been rampant. The economic cycle has turned and the piper needs to be paid. Inflation is rampant. Taming inflation is not growth (think business...
by Cameron Bagrie | Apr 14, 2022 | Blog, News
Businesses should be mindful that central banks are now on the warpath against inflation with the rhetoric and expectations towards higher interest rates ramping up. Businesses need to be thinking about what it means for them as the economy moves from the boom into...
by Cameron Bagrie | Mar 2, 2022 | Blog, News
The housing market has traditionally been a key funding source for businesses and also entrepreneurs looking to have a crack at an investment. The balance sheet was leaned on. Clever business bankers dressed up business loans in housing attire. Those days look to...
by Cameron Bagrie | Jan 27, 2022 | Blog, News
The credit environment has significantly tightened, especially in the housing arena, and of course this has flow-on implications for businesses reliant on lending secured by residential property. The house has been the implicit financing vehicle for many businesses. ...
by Cameron Bagrie | Dec 10, 2021 | Blog, News
Buckle up for 2022. In 2020 we navigated COVID-19 with success. 2021 was a mixture of basking in post recovery sunlight and then the reality as COVID-19 reappeared. The coming year looks set to be fraught with uncertainty, as we learn to deal with the enduring...
by Cameron Bagrie | Dec 2, 2021 | Blog, News
Debt levels are the normal focal point when talking about financial vulnerabilities. An under-appreciated reason for business failure is a lack of working capital, i.e., the cash to manage short-term commitments and operations. Having sufficient working capital and...
by Apricity Finance | Jun 21, 2021 | Blog, News
Did you know that the laws governing financial advice in New Zealand have changed? The introduction of the New Financial Advice Regime has been designed for SMEs to get more from their specialist advisors, with changes having come into effect earlier this year. The...
by Apricity Finance | Apr 7, 2021 | Blog, Broker Testimonial, News
PLEASE TELL US ABOUT THE NATURE OF YOUR BUSINESS. Finance New Zealand is New Zealand’s leading commercial, business and asset adviser business. We provide finance solutions to companies throughout the country. We have access to a wide range of funding partners, which...
by Apricity Finance | Mar 31, 2021 | Testimonial
We are a New Zealand based tier 2 self-performing civil company whose clients include local government and tier 1 construction companies. Apricity provided the business with a flexible invoice finance product superior to that previously held with an NZ retail bank....
by Apricity Finance | Mar 29, 2021 | Blog, News
Successful businesses are organised – they don’t procrastinate or hesitate. This means ensuring you’re prepared for the end of financial year as March 31 fast approaches. Have you got your tax receipts in order? Are you clear on how any legislation changes...
by Apricity Finance | Mar 4, 2021 | Blog, Broker Testimonial
PLEASE TELL US ABOUT THE NATURE OF YOUR BUSINESS I work with Crediflex, which is 100% New Zealand owned and operated and has grown to become one of the country’s largest asset and commercial finance providers. We offer clients a choice of lending solutions, without...
by Apricity Finance | Feb 23, 2021 | Blog, Broker Testimonial
PLEASE TELL US ABOUT THE NATURE OF YOUR BUSINESS I specialise in asset finance, predominantly looking after agriculture, forestry, transport, and construction (craneage, earthworks, underground services). I’m a partner in CrediFlex – one of New Zealand’s largest and...
