IBBZ Accounting

Chartered Accountants & Tax Specialist


Useful tips for Small Business

General update by IBBZ Accounting on latest tax news, business growth and technology tips.

Why cash flow is important for your business?

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You might think “I am in a small business, why I need a cash flow?” But small businesses are the most that require cash flow.

Many analysts stated that the main reason for small businesses not growing is because of poor cash management.

Cash flow gives you a broad view of where your cash are going and importantly from where it’s coming from. Because you have complete view of your expenses and incomes you can plan your business activities accordingly.

A positive cash flow means business has cash available after expenses.

Growth perspective

To grow your small business, you need to invest in things which can give you satisfactory returns. The investment activities often require significant funds; however, they are one-off costs to the business. A healthy cash flow often shows inflow of cash from investment activities.

Initial survival

Small businesses usually face financial hardship during its inception. There are fixed expenditures which they have to pay without fail. Cash flow helps in preparing business owners to plan their expenditure and gives them a clear picture of what they can expect while doing a business. It also facilitates in decision making for future activities.

Emergency preparation

Businesses do face emergencies where they need to pay expenses right away. These expenses are unexpected and unforeseeable. Having cash on hand will help meet these expenses easily. Positive cash flow works as an emergency fund for your business.

Lending money

Banks and lenders look at cash flow in order to lend money to small businesses. A cash flow is a complete guide for lenders what are the business activities and how much business is spending and receiving money. A positive cash flow will most likely approve a loan than a negative cash flow for your small business.


IBBZ Accounting Limited


Our key focus is on:

  • Tax advisory for small and family operated businesses on a wide range of taxation issues.

  • Legitimate tax saving structures.

  • Advising on range of new business issues.

  • Ensuring business growth is attained.

  • Effective cash flow planning.


2014 IBBZ Accounting won the award of Best Small Business 2014. 

2015 Saurav won the award of Best Accountant of the Year.

2017 Saurav was appointed as a committee member to New Zealand Public Practice Board of CPA Australia. 

2018 CPA Australia filmed Saurav Wadhwa and IBBZ Accounting for their marketing campaign to showcase successful accountants in New Zealand Public Practice.  

2018 IBBZ Accounting was Finalist in Westpac Auckland Business Awards: Strategy and Business Planning 2018


News Paper Articles.

Sunday Star Times -Fairfax Media -12-08-2018

InTheBlack Aug 2018 issue - CPA Australia In Practice Publication 

Contact us on info@ibbz.co.nz  or 09 272 8050


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Guest Saturday, 20 April 2019