Unlock cash flow in uncertain times

With economic uncertainty continuing to put pressure on New Zealand businesses like yours, managing cash flow has never been more challenging.

Tax Traders offers flexible solutions designed to help your business stay in control and plan with confidence – no matter the climate.

Option one: Defer payments and preserve working capital

Defer your 28 August provisional tax payment for up to 22 months – without facing Inland Revenue (IR) interest and penalties. It’s a cost-effective way to keep cash in your business when it’s needed most.

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Option two: Access funding without the usual hassle, through our sibling company, Taxi

By depositing your 28 August provisional tax payment through Taxi, you can unlock the option to use that tax as security to access affordable working capital if cash flow gets tight. This can save you more money because you only borrow if and when you need it.

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Ready to take control of your cash flow?

Finance tax

Find out how much it would cost to defer your provisional tax payment.

Get a quote

Access Taxi funds

See how your business can turn provisional tax into a source of smart, flexible funding.

See pricing plans

Got a question?

Feel free to get in touch. Our team of experts is here to help.

Keeping the doors open in a volatile season

A boutique hotel in Nelson was feeling the squeeze. Winter bookings had dipped following unpredictable travel patterns and last-minute cancellations, while staffing costs surged amid industry-wide competition. Maintenance bills stacked up after a series of power outages, and interest rates remained stubbornly high.

Construction firm manages cash flow with Taxi

A mid-sized construction company operating in Christchurch specialises in multi-unit developments and seismic strengthening projects. Heading into the August provisional tax period, the business was navigating challenges typical of the current economic climate: project delays due to council sign-offs, rising material costs and subdued demand across the sector.

The smarter choice

Compared to paying Inland Revenue directly or relying on a business overdraft, we offer a more cost-effective and flexible way to manage provisional tax, while keeping your business’ cash flow in check.

Here’s how our options stack up and make financial sense for your business.

	Tax Traders and Taxi	IR direct payment	Bank overdraft
IR compliant	Yes	Yes	Not designed for tax
Cash flow flexibility	Yes	No	No
Approval process	None	N/A	Yes – lengthy and slow
Security needed	No	N/A	Yes
Interest cost	Low	UOMI of 9.89%, plus late payment penalties	High – typically double-digit interest

Proven, approved and built to help businesses flourish

Tax Traders operates within Inland Revenue’s approved tax pooling framework – a system that’s been supporting Kiwi businesses for more than two decades. Since 2012, we’ve helped thousands of accountants and their clients align their provisional tax payments with their business cash flow by providing flexible, cost-effective solutions designed to help businesses thrive.

Krystle Brough and Tom Pritchard (Client Directors)

Take control of your business cash flow

In a volatile economy, managing cash flow isn’t just helpful – it’s essential. We can unlock much-needed flexibility for your business. Talk to your accountant about how Tax Traders can help – chances are, they already love and use our service.