When timing creates pressure for a business.有时企业压力来自时间差，而不是没有需求。
Cash flow lending discussions often start when stock, wages, tax, supplier payments, or debtor timing create a temporary funding gap.
当库存、工资、税款、供应商付款或应收账款周期造成临时缺口时，企业可能会考虑现金流融资。
Short-term funding still needs a clear repayment plan.短期融资也需要清楚的还款逻辑。
The important questions are how much the business needs and when it can repay it.
关键不只是需要多少钱，还包括企业如何、何时还款。
Learn more about cashflow lending了解更多现金流融资知识
When cashflow lending fits: common triggers and scenarios
何时适合现金流融资：常见场景
Cashflow lending uses expected business income rather than physical assets as the main basis for finance. It may suit an established New Zealand business with steady revenue, but it is not suitable for every application.
现金流融资主要根据企业预期收入，而不是实物资产来安排融资。它可能适合收入稳定、已有经营记录的新西兰企业，但并不是所有申请都适合。
Common reasons include a seasonal gap between income and expenses, buying stock 60 to 90 days before a large customer pays, hiring specialist equipment for a short project, or covering an unexpected repair or supplier demand.
常见用途包括季节性收入与支出之间的时间差、在大客户付款前 60 到 90 天提前备货、短期租用专用设备，或应对突发维修和供应商付款要求。
Lenders often look for 12 to 24 months of trading history, stable or growing revenue, a repeatable income model and a DSCR of at least 1.2 times on the proposed repayments. Modest losses during a growth phase may be acceptable, but ongoing negative cash flow is a concern.
贷款机构通常会关注 12 到 24 个月的经营记录、稳定或增长中的收入、可重复的收入模式，以及建议还款对应至少 1.2 倍的 DSCR。增长期的适度亏损可能可以解释，但持续负现金流会增加难度。
Start-ups without trading history, businesses with highly unpredictable revenue and funding needs above roughly 50% to 60% of projected annual cash flow are less likely to fit this type of lending.
没有经营记录的新创企业、收入高度不可预测的企业，以及借款需求约超过预期年现金流 50% 到 60% 的业务，通常较难匹配这类融资。
A Plus Finance is a broker rather than a direct lender. We can help you test whether the structure fits your numbers and which lenders may consider the application.
A Plus Finance 是贷款经纪，不是直接贷款机构。我们可以协助您先看结构是否符合数字，再了解哪些贷款机构可能考虑申请。
Documents for a cashflow lending application
现金流融资申请所需文件
A complete application helps the lender understand how money comes into the business and how the new debt will be repaid. Requirements vary, but most applications start with financial statements, current management accounts and a 12-month cashflow forecast.
完整的申请材料能让贷款机构了解企业如何产生收入，以及新债务如何偿还。具体要求会不同，但通常会先看财务报表、近期管理账目和至少 12 个月的现金流预测。
Provide six to twelve months of business bank statements for the main operating account. If you use separate GST, payroll or savings accounts, the lender may ask for those as well. It will review deposits, withdrawals and overdraft use.
请准备主要经营账户最近六到十二个月的银行流水。如果企业使用独立的 GST、工资或储蓄账户，贷款机构也可能要求一并提供。它会查看入账、支出和透支使用情况。
Prepare a schedule of your five to ten largest customers and the share of revenue each represents. Relevant contracts, recurring invoices and customer-retention information can support the income story. A single customer contributing more than 40% of revenue may be treated as concentration risk.
准备前五到十大的客户清单，并列出各客户收入占比。关键合同、经常性发票和客户留存资料都可以支持收入说明。如果单一客户贡献超过 40% 的收入，可能会被视为集中风险。
Include company registration documents and personal financial statements for directors or guarantors who own 20% or more of the business. A short summary should explain the funding purpose, repayment plan and expected business benefit.
材料还应包括公司注册文件，以及持股 20% 或以上的董事或担保人的个人财务报表。用一页左右说明资金用途、还款方式和资金对企业的帮助。
Depending on the facility, the lender may also request the last six to eight GST returns, IRD tax certificates and a current payout figure for any debt being refinanced.
视融资结构而定，贷款机构还可能要求最近六到八期 GST 申报、IRD 税务证明，以及需要转贷的现有债务清偿金额。
Invoice financing or term lending: what is the difference
发票融资与定期贷款：区别在哪里
Invoice financing and term lending both provide business credit, but they solve different cashflow problems. The better fit depends on whether the need is a short gap between invoicing and payment or a defined capital purchase.
发票融资和定期贷款都可以为企业提供信贷，但解决的是不同的现金流问题。关键在于，您需要的是开票到收款之间的短期周转，还是一笔明确的资本支出。
With invoice financing, the lender advances part of an unpaid invoice, often 70% to 85% of its value. The customer normally repays the facility when the invoice is settled, often within 30 to 60 days. Interest is charged on the drawn amount and service fees may apply.
发票融资会根据客户尚未支付的发票预支部分资金，常见比例为发票金额的 70% 到 85%。客户结清发票后，额度通常在 30 到 60 天内归还。利息按已使用金额计算，也可能有服务费。
Term lending provides a lump sum that is repaid over a fixed period, commonly one to five years. It suits equipment, renovations, a partner buy-out or another defined need that lasts longer than an invoice cycle. The business pays principal and interest on a regular schedule.
定期贷款一次性提供资金，再按固定期限还款，企业贷款常见期限为一到五年。它适合购买设备、装修、买断合伙人股份，或其他超过一个发票周期的明确资金需求。企业按计划偿还本金和利息。
Invoice facilities are revolving and secured against the debtor ledger. Term loans may be secured against business assets or supported by a director guarantee. Invoice finance is less suited to long payment cycles, concentrated customers or a small number of very large invoices.
发票额度通常是循环额度，以应收账款账册作基础；定期贷款可能以企业资产作担保，或要求董事提供个人担保。付款周期很长、客户集中度高，或只有少量大额发票的企业，通常不太适合发票融资。
Some businesses use both: a term loan for a capital purchase and an invoice facility for working capital. Compare the fees, security and repayment timing for the actual situation.
部分企业会同时使用两种方式：定期贷款用于资本采购，发票额度用于日常营运资金。实际比较时，要把费用、担保和还款时间放在一起看。
Signs cash flow support may be worth exploring可能值得探索现金流支持的迹象
Debtors pay slowly客户回款较慢
Revenue may be booked, but cash arrives after wages or supplier costs are due.
收入已经产生，但现金到账晚于工资或供应商付款时间。
Seasonal stock needs季节性库存需求
Inventory must be purchased before sales revenue comes in.
需要先采购库存，销售回款随后才进来。
Tax or supplier timing税款或供应商时间点
A timing cluster can create pressure even when the business is otherwise trading.
即使业务正常经营，付款时间集中也可能造成压力。
What we help organise我们协助整理什么
Amount and purpose金额与用途
Clarify the funding amount, timing, and specific business purpose.
明确融资金额、时间和具体业务用途。
Trading evidence交易记录
Review bank statements, invoices, debtor position, BAS/GST or financials where relevant.
按情况查看银行流水、发票、应收账款、GST/税务或财务资料。
Cost and repayment plan成本与还款计划
Understand the repayment source, term, and whether short-term funding creates pressure later.
理解还款来源、期限，以及短期融资是否会把压力推到之后。
Common cashflow scenarios常见现金流场景
Stock purchase库存采购
Funding stock before a known sales period or confirmed orders.
在销售旺季或确认订单前采购库存。
Wages or operating costs工资或运营成本
Covering short-term timing gaps while receivables are pending.
在应收款未到账时覆盖短期运营成本。
Tax or supplier pressure税务或供应商压力
Managing a cluster of payments without derailing business operations.
处理集中付款压力，同时不影响企业运营。
How the first review works初步评估流程
Explain the cash gap说明资金缺口
Amount, date needed, and what the funds are for.
金额、需要时间和资金用途。
Check evidence检查证明材料
Trading history, bank activity, invoices, or contracts.
经营历史、银行流水、发票或合同。
Explore realistic pathways探索现实路径
Consider lender or referral pathways where appropriate.
按情况考虑贷款机构或转介路径。
FAQ
A quick review of amount, purpose, bank statements, and repayment source can usually identify whether more detailed work is worthwhile.
快速查看金额、用途、银行流水和还款来源，通常可以判断是否值得进一步推进。
Bank statements, invoices, debtor lists, tax/GST information, financials, and contracts may help.
银行流水、发票、应收账款清单、税务/GST 信息、财报和合同都可能有帮助。
Some pathways may not require property security, but cost and eligibility can differ significantly.
有些路径可能不需要房产抵押，但成本和资格要求可能差异很大。
Look beyond the rate. Consider total fees, repayment timing, cash flow impact, and whether the funding solves or delays the problem.
不要只看利率，还要看总费用、还款时间、现金流影响，以及融资是解决问题还是延后问题。
Need to bridge a business cash flow gap?需要解决企业现金流缺口？
Send the purpose, amount, date needed, and repayment source.
请提交用途、金额、需要日期和还款来源。