Getting Finance Articles
Expert articles and practical legal guides on getting finance for new zealand businesses.

Convertible Notes for Friends and Family in NZ
Raising early money from friends and family? Learn how convertible notes work in New Zealand, which terms matter, and what documents founders should prepare.

Personal Guarantees in Supplier Credit Applications NZ
A supplier credit application can make a director personally liable for company purchases. Learn what to check before signing credit terms in New Zealand.

Founder Loan Agreements in New Zealand
Lending money to your startup or co-founder? Learn how to document repayment, interest, subordination, conversion and records before funds move.

How to Work Out Your Company's Worth: Valuation Methods in New Zealand
Trying to work out your company's worth in New Zealand? This guide explains common valuation methods, when they apply, and the legal issues that can

Appointor of a Trust in New Zealand: Roles and Powers
The appointor of a trust can have major influence over who controls trust assets and trustee decisions. This guide explains the role, powers, risks, and
Share Dilution and Fully Diluted Shares in New Zealand
Share dilution can change founder ownership and control faster than many businesses expect. This guide explains fully diluted shares, when dilution comes

Shareholders: What Small Business Owners Should Know in New Zealand
Shareholders can shape control, funding, and founder relationships from day one. This guide explains what New Zealand small business owners need to know

Parent Companies in New Zealand: Legal Structure, Control and Common Issues
A parent company usually controls another company, but that does not make the whole group one legal entity. Here is what New Zealand founders and SMEs

Founder Secondary Sales in New Zealand: Legal Issues for Startups
A founder secondary sale can affect shareholder rights, board approvals, future fundraising and confidential information. Here are the key legal issues

How to Calculate Your Company's Valuation in New Zealand
Working out what your company is worth is not just a finance exercise. This guide explains the main valuation methods used in New Zealand, when they

Can You Accept Investment Before Your Shareholders Agreement Is Ready?
Can you take investor money before your Shareholders Agreement is signed? Yes - but only if the right investment documents and approvals are already in place.

Valuing a Company: Practical Methods & Key Factors in New Zealand
Valuing a company in New Zealand is more than choosing a multiple. This guide explains practical valuation methods, the legal and commercial factors that

How VC Assumptions Shape Startup Investment Terms in New Zealand
VC assumptions can shape your fundraising terms long before a deal is signed. Here is what New Zealand founders should understand about investor

Legal Agreements Every Founder Should Know When Raising Funds from Angel Investors
Raising angel investment in New Zealand can involve more than a simple term sheet. Learn the key legal agreements founders should understand, the clauses

Company Secretarial Essentials: Compliance, Registers & Best Practices in New Zealand
Company secretarial essentials cover the records, filings and governance habits that keep a New Zealand company organised. This guide explains what to

What Is a Lien? How Liens Work and When They Apply
A lien can let a business keep possession of goods until payment is made, but it does not automatically transfer ownership or create a right to sell. This

Liquidation Preference: What Founders Should Know
Liquidation preference can drastically change who gets paid in a startup exit. This guide explains how it works in New Zealand, where founders get caught

Company Valuation Formula: How to Calculate It in New Zealand
A practical guide to the company valuation formula in New Zealand, including earnings multiples, revenue multiples, asset-based methods, discounted cash

Leasing Equipment in New Zealand: Legal Essentials
Leasing equipment can help New Zealand businesses preserve cash flow, but the legal terms often decide whether the deal is useful or costly. This guide

Selling Shares in a New Zealand Private Company: Legal Checklist
Selling shares in your private company can be a smart move - whether you’re bringing in an investor, exiting the business (fully or partially), or restructuring ownership between founders. But selling shares...

Reporting Entities Under New Zealand’s AML/CFT Laws
If you run a small business in New Zealand, “AML/CFT” can sound like something that only banks and big finance companies need to worry about. But in reality, a wide range of...

Purchase Money Security Interest (PMSI) In New Zealand Under The PPSA
If you sell goods on credit, supply stock to other businesses, or finance equipment for customers, you’ll probably come across the term purchase money security interest (PMSI). It sounds technical, but the...

Protecting Commercially Sensitive Information In New Zealand
If you run a small business, you’re probably sharing information all the time - with staff, contractors, suppliers, potential investors, and even customers. Some of that information is routine. But some of...

Personal Property Securities Register (PPSR) In New Zealand: Why It Matters
If you’re running a small business, it’s normal to focus on day-to-day cashflow, customers, and keeping operations moving. But there’s one legal register that can quietly make or break your position if...
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