Cash flow is often described as the lifeblood of a business - and for good reason. Without steady cash coming in, even profitable companies can find themselves struggling to pay bills, staff, or suppliers. For small and medium businesses in New Zealand, managing cash flow well isn’t just about survival - it’s about creating stability, growth, and peace of mind.

On 20 August 2025, the Reserve Bank of New Zealand (RBNZ) cut the Official Cash Rate (OCR) by 25 basis points, bringing it down from 3.25% to 3% - a three-year low.