Question of the Month: December 2025

Logan Jessop, Client Solutions Expert

How can my clients use the New Zealand tax system to access affordable business funding? 

Taxi, accessed through Tax Traders, offers a straightforward, Inland Revenue (IR)-approved way for you to help clients bridge cash flow gaps using their provisional tax deposits, without the hassle of traditional lending.  

As their accountant, you can help clients:

• Reduce borrowing costs: unlock funding at just 5.40% per annum – under half the cost of a typical bank business overdraft.
• Maximise cash flow flexibility: clients can access an amount up to 90% of their provisional tax deposit in the Tax Traders tax pool, with no impact on imputation credits, and remain fully tax compliant.
• Respond quickly to business needs: funds are available within one working day, so your clients can act fast when opportunities or challenges arise.

Flexible plans to suit every client

• Standard plan: Ideal for clients who want to access funds immediately or soon.
• Standby plan: Pay nothing until funds are accessed for the first time – a safety blanket for a rainy day.

Why Taxi makes financial sense

Here’s why your clients are better off using Taxi.

How Taxi works

Your client deposits provisional tax with Tax Traders. If your client already has deposits with a tax pool, we can move these over to Taxi, too.

Your client opens their Taxi account and can access funds equivalent to 90% of their deposits in the last twelve months. These requests are processed within one working day, at a competitive rate, with up to nine months to pay.

Help your clients make the most of their provisional tax payment on 15 January. Visit gotaxi.co.nz/lp/provisional-tax to learn more and start the conversation today.

Disclaimer: The information in this article is Tax Traders’ general view, intended to provide enough information to inform you about this topic generally as at the date of the article, rather than comprehensive information for all situations. This article should not be relied upon to make decisions. Tax Traders recommends you seek professional advice as appropriate for your circumstances. Rates are accurate at time of publication and subject to change.

Disclaimer: The information in this article is Tax Traders’ general view, intended to provide enough information to inform you about this topic generally as at the date of the article, rather than comprehensive information for all situations. This article should not be relied upon to make decisions. Tax Traders recommends you seek professional advice as appropriate for your circumstances. Rates are accurate at time of publication and subject to change.