Welcome, I’m Mel, and I’m So Glad You’re Here.
Hey You Awesome Business Owner!
Yes You - The one out there doing the work, keeping the wheels of the economy turning, showing up day after day and backing yourself. You provide the service, put in the time, carry the risk—and then wait to get paid? Do any of the following feel familiar?
Frustration with slow and late payments.
Distress when unexpected liquidations happen.
Blindsided by non-payments you never saw coming.
Annoyance with unfounded disputes and excuses.
Disempowered by the feeling that “this is just the way it is” and you have to play the game if you want the job.
Used like a bank, supporting somebody else's cash flow.
Trapped and held to ransom by someone saying they’ll pay what’s owed if they agree to do the next job.
Protective of what you’ve built.
Lucky you haven’t been too badly burned in the past.
Angry when the person who still owes them money has just booked themselves a holiday to Fiji!
That stops here.
You’ve found me, and you’ve found the place where things start to change.
This isn’t just about paperwork—it’s about protecting what you’ve built, backing yourself, and building a business that actually works for you.
Stop being treated like a bank.
Get paid. Stay paid.
Cashflow confidence starts here.

Ready to Take Action ?
No matter what’s keeping you up at night, a great place to start is a one-on-one cashflow clarity strategy session. This is where we triage what’s immediatly going on, untangle the mess, and map out practical next steps so you can get paid, stay paid, and take control of your business.
What is this introductory session about?
This is a "dip your toes in the water" dive into your cash flow challenges, client payment struggles, or business roadblocks. Together, we’ll get clear on the low hanging fruit "tweaks" that can make a difference in your cash flow - with a solid "where to from here" plan to move forward with.
Why Kiwi Business Owners Need to Take Action
Did you know?
In New Zealand, 43% of small businesses experience late payments, causing major cash flow stress.
Over 60% of business failures are linked to not getting paid on time.
On average, unpaid invoices cost small businesses thousands in lost revenue each year.
Partnering with one of New Zealand’s longest-standing leaders in best practice credit management, I’ve seen it all—businesses doing everything right, but still getting caught short because they weren’t getting paid on time. It’s not fair, and it’s not sustainable.
But here’s the good news: with the right tools, support, and systems in place, you can take back control.
You can also check out all of my free resources and tools OR learn more about how to work with me.
This is why getting paid on time isn’t just nice to have—it’s critical for survival and growth.
Understanding why people don’t pay and what to do about it
How Terms of Trade protect your business and ensure you get paid
How to communicate effectively to protect your cash flow
The easiest way to get paid on time—without scaring away your customers
How to protect your business from bad debt & unpaid invoices
FAQs
What if I’m not dealing with overdue invoices right now?
That’s great—let’s keep it that way. The only thing worse than constantly chasing payments is being blindsided when you thought everything was sweet. One slow payer, one unexpected liquidation, one job that drags out longer than expected... and boom—cashflow chaos. Putting smart systems in place now means you’re ready before things go sideways. It’s not about going overboard—it’s about peace of mind.
I’m just a small business—do I really need all this?
Yes. In fact, especially if you’re a small business. You’re the one most at risk when a client doesn’t pay. Big companies have legal teams and cash reserves. You’ve got bills, staff to pay, and maybe your own mortgage on the line. Putting the right tools in place means protecting what you've built and making sure you’re not working for free.
Isn’t chasing payments just part of doing business?
It shouldn’t be. You didn’t go into business to become a part-time debt collector. With the right structure in place—clear terms, upfront conversations, and backup when you need it—you can ditch the stress and get back to doing what you do best. No more chasing. No more crossed fingers. Just cashflow that actually flows.