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Your legacy starts with smart financial choices

On the land, every decision shapes tomorrow – from the crops you sow to the financial choices you make. Whether you're passing the farm down or simply planning for the seasons ahead, sound financial management is part of the legacy you leave. Tax Traders helps you take control of provisional tax payments, so your cash flow works for your farm, not against it, for generations to come.

The double tax whammy problem

After a few hard seasons, things are finally looking up. Better returns are rolling in for many farmers – especially in dairy, beef, lamb, and kiwifruit. That’s good news. But with higher income comes higher tax, and that can be a bit of a headache if you’re not prepared.

We’re hearing from farmers across the country that better-than-expected profits in 2025 have left some short on provisional tax – and that shortfall could already be stacking up interest with Inland Revenue.

Looking ahead to 2026, many might find themselves needing to pay provisional tax after a few quiet years. That’s no small ask when you’re also trying to chip away at debt or build a buffer for the next dry (or wet) season.

How Tax Traders can help

We’re an IR-approved tax pooling provider, which means we give farmers a better way to pay tax – one that fits the rhythm of the seasons and keeps cash flow steady.

Whether it’s a bumper year or a dry one, we help make tax work for your farm, not against it.

Take a look below to see how we can help.

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Behind on 2025 income tax? We've got your back

If your profits were better than expected and you didn’t pay enough tax, we can help you buy tax from our pool. It’s backdated to the original due dates, so Inland Revenue treats it like you paid on time – no late penalties, no stress.

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Shape your 2026 provisional tax to suit the season

Farming income doesn’t run like clockwork - and tax shouldn’t have to either. Depositing provisional tax into our tax pool gives you the flexibility to pay when the cash comes in, adjust if income shifts, and avoid dipping into the overdraft.

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Need cash? Your tax deposit could lend a hand

If you’ve already put money into the Tax Traders pool for 2026 but need a top-up, our sibling company Taxi can help. You can borrow up to 90% of your deposit—no bank, no credit checks, no paperwork. Whether it’s feed, wages, or fixing the tractor, you can use it where it counts. It’s quick, affordable, and keeps you compliant with Inland Revenue.

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The smarter choice

Compared to paying Inland Revenue straight up or leaning on a business overdraft, Tax Traders offers a more flexible, cost-effective way to manage provisional tax. It’s built to keep your farm’s cash flow steady, no matter the season.


Here’s how our options stack up – and why they could make good financial sense for your operation.

  Tax Traders 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 IR interest of 9.89, High – typically double-digit interest 
Late payment penalties No – these are eliminated May apply N/A

 

Reduce the stress for generations to come

Provisional tax doesn't have to be taxing on the farm. It shouldn’t weigh you down – especially when there’s work to be done. Whether you’re squaring up 2025 or sowing plans for 2026, we’re here to help you stay on top of things without tipping over your cash flow.

Since 2012, we’ve worked with thousands of accountants help their clients to make provisional tax payments work for them so their businesses, and their legacies, can thrive.

Have a yarn with your accountant or give Tax Traders a bell to find out how it could help your farm.

Get in touch
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