Cash flow: Cash flow is a complicated issue for small businesses, and no matter how organised you are, cash flow can be variable. Your cash flow is only as good as your accounting and reporting - staying up-to-date means that you can see the state of your business at a glance. Keep your business and personal finances separate as merging them can make you uncertain about your business's performance.

Knowing how much your company makes means paying yourself correctly and using the excess cash to grow your business.

Lack of knowledge: In the wise words of English philosopher Francis Bacon, "knowledge is power." Investing in your business education should be a top priority. Join business groups or engaging a business mentor gives you a trusted place to bounce ideas around and hear different perspectives.

MTF Finance Invercargill owner Craig Hall is proud to be a part of his customer's business success stories. "We're a business partner. We spend time learning the customer’s business, understanding their journey and helping them properly understand the cash flow cycle, enabling them to get ahead," says Craig. "It's about trust. We're local, so we’re invested in the local economy and here to help. Customers sit down and chat things through with us. We've helped generations of families, building both of our reputations for success."

Ready to come and meet your MTF Finance advisor? Find your local office or approved dealership.

Knowing when to make a move: To grow or not to grow - that is always the question. When do you employ more team members, when do you get the commercial dishwasher, and when do you swap the ute for the truck? It isn't easy to know when to make the next move.

Working with a trusted team of business advisors will help you take the next step. When opportunity knocks, we know that time is precious, and MTF Finance Kumeū owner Gerrie Cashmore knows it.

"Business owners are busy - they don't have time to waste at the bank and the long, intricate processes," says Gerrie. "Interrupting their work day is irritating for customers - MTF Finance provides finance that supports customers in a meaningful way. I'm proud of how we can turn something around for our customers - they don't miss out on the opportunities that come their way."

How can MTF Finance support small businesses? "We lend to people, not products."

"Sorry, let me transfer you to another department" - that's a sentence that you won't hear Craig Hall say. When dealing with you and your business, you have his full attention. "Customers are putting their trust in us, bringing their business to MTF Finance for help. They deserve personal, attentive service. We try to take the hard work away and let them focus on their business."

Our processes are simple, and unlike banks, you're talking to the decision-maker, so we're usually able to process your loan on the same day you apply.

"We deal directly with the customer and have meaningful conversations. The way we do business means successful outcomes for our customers."

Gerrie Cashmore, MTF Finance Kumeū

Our business loans make it easy to get the equipment you need, no matter the size or stage of your business. We offer two types of business loans, secured and unsecured, so you can choose the right loan.

We'll help you to:

  • fund whatever your business needs to grow – vehicles, tools, office renovations, equipment, machinery and more
  • determine if a secured or unsecured loan is right for you
  • tailor repayments to suit your cash flow
  • find the best interest rate.

Find out more about business loans from MTF Finance