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The Up’s and Down’s of the Construction Industry

Recent media articles have highlighted the demise of two more significant Construction companies and building projects. Point to Point Holdings Ltd (although now conveniently known as HPTP (2014) Ltd) based in Auckland, actually closed it’s doors in January, although details of the pain caused are only now emerging (see NZ Herald article 2/5/17). More on […]

Construction Market Review / Outlook – Interview with Alan Johnston, April 2017

Alan Johnston of CreditWorks talks about construction industry debt in 2017. What are the main influencers of construction industry debt? Hardware / construction industry debt levels are based on two main factors: Volume of sales made on credit, and; Regularity of payment for those sales. while patterns of payment (payment profiles) (DSO) tend to be […]

How Builders and Subcontractors Can Minimise Risk

With reference to Anne Gibson’s’ article in the NZ Herald (April 3: ) titled “’Most Dangerous Time’ in Construction Cycle: Warning”, the article contains a summary section titled “How Builders and subcontractors can minimise risk.” I find this section quite interesting and pertinent, although the source (Staples Rodway) do overlook one of the most important […]

Business Credit Scores; What Do They Mean to You?

What is a business credit score? How are business credit scores measured? What are the benefits of a good credit score? Managing your business credit score Tips For Improving Your Business Credit Score What is a business credit score? Businesses, similar to individuals, are also issued credit scores and this applies to corporate, large businesses […]

Credit Scoring – Where are all the Unicorns?

Rob Stock’s article in Stuff (06/03/2017: http://www.stuff.co.nz/business/money/89758411/Rob-Stock-How-my-credit-score-jumped-200-points-in-a-night) raised some interesting points regarding the impact of Positive data reporting on Credit Scores – in particular the rarity of Credit Unicorns when it comes to credit scoring. For those who didn’t see the article, it refers to those rare personnel (the Credit Unicorn) who have a credit […]

The ‘Year in Credit’ – And What Can We Expect in 2017?

Well, another year is virtually done and dusted, and it’s a good time to reflect on the ‘Year in Credit’ – and perhaps prophesise on what we can expect in 2017? Amongst other things, 2016 produced NZ with a new Prime Minister, Olympic champions, earthquakes, and skyrocketing house prices. From a credit perspective, the year […]