Covid-19 and the current level 4 lockdown has been the biggest disrupter to New Zealand that most of us can remember, hitting us emotionally, physically and monetarily – both as individuals and as business owners.

No matter what type of business enterprise you run, you will have felt the punch. You may be designated to be an essential service, but getting staff and other enterprises to supply you is likely to have been problematic. Generating sufficient cash flow, including getting prompt payment from your clients will have weighed on your mind, with real implications on payment of your own bills.