News & Industry Updates
Stay connected to the heartbeat of the NZ credit industry.
NZCFI Magazine — Issue 01, 2026: The Credit Outlook
The first 2026 issue of the NZCFI Magazine — The Credit Outlook — is built by credit professionals and focused on better credit decisions. Inside this issue: economic trends, personal-guarantee pitfalls, e-signatures explained, a split-recovery analysis from Centrix, member spotlights and credit best practice.
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NZCFI Magazine — Issue 02, 2026: The New Credit Landscape
The second 2026 issue of the NZCFI Magazine explores the new credit landscape — built for a changing industry and powered by automation, resilience and smarter credit leadership. Inside this issue: decisioning systems, economic resilience, cash automation and PPSR insights.
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What Credit Professionals Should Know About Companies
Companies are one of the most common business structures in New Zealand. Credit teams come across them on a daily basis and it’s important that they understand the key elements of a company and how to contract with them. In this article, we explain what companies are, how to enter into contracts with them and things to watch out for.
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Articles & Insights
Deepen your expertise with practical guides, white papers, and research.
Who Should Be a Personal Guarantor?
When a customer company collapses, one of the first questions credit teams ask is: do we have a personal guarantee? In the current environment, where liquidations routinely leave little or nothing for unsecured creditors, that answer can be the difference between a full write-off and a meaningful recovery. But not all guarantors are created equal, and our experience in collections and disputes has made one thing very clear: who signs the guarantee matters almost as much as having one.
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Three Practical Tips for Year End Prep in Credit Teams
Here are some practical tips on how to prepare for year-end for your credit teams. 1. Start Earlier Than You Think Is Necessary The biggest driver of a strong year end outcome is lead time. Begin targeted reviews of overdue accounts at least three months before year end. Early action gives Credit teams time to […]
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Beyond Companies: Dealing with Other Entity Types in Trade Credit
Most of the time, trade credit teams in New Zealand are set up to deal with limited liability companies and sole traders. The process feels familiar: run your reports, check directors, consider guarantees, register on the PPSR, and move on. The wheels start to wobble when the applicant is a trust, an incorporated society, a partnership, a limited partnership, or some sort of alliance or joint venture. You can’t always run a neat, single credit report on the ‘name’ in front of you, and it’s easy to feel like you’re flying half blind.
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Research & Analysis
Access in-depth studies, industry research, and data-driven insights to deepen your understanding and guide smarter credit management decisions.
What Credit Professionals Need to Know: A Sustained Increase in Insolvency Activity
What Credit Professionals Need to Know A Sustained Increase in Insolvency Activity The number of new insolvency proceedings continues to rise, with 2025 recording a 9.7% increase on the previous year. Since 2023, Auckland has remained the primary hub for new filings, accounting for the majority of insolvency cases nationwide. Company liquidation applications have also […]
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From Transactions to Transformation: Reimagining Credit and Collections for the Digital Age
From Transactions to Transformation: Reimagining Credit and Collections for the Digital Age A case study in turning back office operations into a strategic advantage The credit function has long been viewed as a necessary back office operation: transactional, process-heavy, and largely invisible to the wider business. But what happens when you strip away the manual […]
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