Informed Decisions Consultancy

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We help small and medium business owners in Hamilton, Waikato and across New Zealand turn numbers into insight and make confident, well-informed financial decisions so they can reclaim time and grow sustainable wealth.

Economists are warning that the ongoing instability in the Strait of Hormuz is going to be felt across NZ businesses - f...
13/07/2026

Economists are warning that the ongoing instability in the Strait of Hormuz is going to be felt across NZ businesses - fuel, fertiliser, materials and plastics are all exposed. For some sectors, the NZ Government's own Fuel Response Plan puts them outside the priority band in a rationing scenario. The pressure is real, and it's building.

But here's what most business owners tell us: they already know costs are rising. What they don't know is what to do about it.

Raising prices sounds simple. In practice it raises a lot of questions.
How much do I need to increase by to actually protect my margin, not just cover the cost?
If I raise prices, will I lose customers and if I do, am I actually better or worse off?
Do I increase across the board, or target specific products and services?
What's the right timing, and how do I communicate it without damaging relationships?

The answer to all of those questions starts in the same place - your numbers. A scenario model shows you exactly what a cost increase does to your margin before you react, and what a pricing adjustment needs to look like to protect your position.

The businesses that come through cost shocks in good shape aren't the ones who raised prices fastest. They're the ones who raised them right — with a clear number, a clear reason, and a clear conversation ready for their customers.
That's what we help with.

👉 If you're sitting on a cost increase and not sure what to do with it, DM us or book a free call. We'll model it with you.

Getting bank funding shouldn't be this hard.But for most business owners, it is. You go to your accountant, they go back...
03/06/2026

Getting bank funding shouldn't be this hard.

But for most business owners, it is. You go to your accountant, they go back to the bank, the bank wants something different, the accountant comes back to you and suddenly weeks have passed and you're no closer to an answer, and significantly lighter in the pocket.

The reports themselves are often part of the problem.

Assumptions aren't clearly explained, so they get pulled apart in the credit process and the banker is unlikely to know the answers. The numbers can look impressive on paper but lack the commercial realism a lender actually needs to get comfortable. And if you're working with a larger accounting firm, your job often sits in a queue — the urgency you feel about your deal isn't always shared by the person preparing your forecast.

We work differently.

When we prepare a bank-ready forecast, we sit down with you first and understand the deal. We build assumptions that are defensible, not optimistic. We're clear about what the numbers mean and why, so there are no surprises when the bank asks questions. And because we're small and focused, your work doesn't disappear into a workflow planner. We know what's at stake.

If you're heading into a funding conversation and you're not sure your numbers will stack up — or you've already been through one round of back and forth and you're frustrated — let's talk.

DM us or book a free call via the link in bio.

Economists are warning that the ongoing instability in the Strait of Hormuz is going to be felt across NZ businesses - f...
26/05/2026

Economists are warning that the ongoing instability in the Strait of Hormuz is going to be felt across NZ businesses - fuel, fertiliser, materials and plastics are all exposed. For some sectors, the NZ Government's own Fuel Response Plan puts them outside the priority band in a rationing scenario. The pressure is real, and it's building.

But here's what most business owners tell us: they already know costs are rising. What they don't know is what to do about it.

Raising prices sounds simple. In practice it raises a lot of questions.
How much do I need to increase by to actually protect my margin, not just cover the cost?
If I raise prices, will I lose customers and if I do, am I actually better or worse off?
Do I increase across the board, or target specific products and services?
What's the right timing, and how do I communicate it without damaging relationships?

The answer to all of those questions starts in the same place - your numbers. A scenario model shows you exactly what a cost increase does to your margin before you react, and what a pricing adjustment needs to look like to protect your position.

The businesses that come through cost shocks in good shape aren't the ones who raised prices fastest. They're the ones who raised them right — with a clear number, a clear reason, and a clear conversation ready for their customers.
That's what we help with.

👉 If you're sitting on a cost increase and not sure what to do with it, DM us or book a free call. We'll model it with you.

SME FuelCosts

Why relying on AI for your business data will cost you.AI is incredible for efficiency, but it doesn’t actually understa...
21/05/2026

Why relying on AI for your business data will cost you.

AI is incredible for efficiency, but it doesn’t actually understand context. Look at this conversation: it completely fails on counting the letter 'E' in 'seventeen' because it lacks a human conceptual framework.

The exact same thing happens when business owners rely on generic accounting software or automated tools to run their financial models. The software will spit out a beautiful, clean-looking spreadsheet, but if the underlying assumptions are blind to real-world context, like shifting supply chains or regional economic shocks, the output is dangerously wrong.

Automation scales speed. Humans bring the sanity check. That’s why a Virtual CFO doesn't just look at what the software spits out; we review the assumptions behind it.

Want financial data you can actually bet your business on? DM us now.

👋 If you're thinking about approaching a bank for business funding, this is worth a read.Chances are you've already done...
29/04/2026

👋 If you're thinking about approaching a bank for business funding, this is worth a read.

Chances are you've already done more work than you realise. You've thought through your concept, looked at the numbers, and you believe in what you're building.

The challenge is that banks need to see that in a very specific format - a three way forecast covering your profit and loss, cashflow, and balance sheet together.

But it goes further than that. Bank credit teams assess lending using metrics most business owners are not overly familiar with or have not yet calculate - interest cover, principal and interest cover, equity percentage, EBIT and EBITDA.

The model I use calculates all of these automatically, so you walk into your bank meeting already knowing what they're going to ask, and having the answers ready.

It's not about starting from scratch. It's about taking what you already know and putting it into a format your bank can say yes to.

If you or someone you know is preparing for a funding conversation, DM me to find out more.

Ever feel like you’re making a profit, but your bank account says otherwise? 📉🤔Here is an example of a 12-month scenario...
20/04/2026

Ever feel like you’re making a profit, but your bank account says otherwise? 📉🤔

Here is an example of a 12-month scenario model dashboard showing how a business with 6% growth and a solid $442k EBITDA can still hit a Peak Overdraft of nearly -$8k. The culprit? Creditor Days.

At Informed Decisions, we help you see these "potholes" before you drive into them. The key here is that there are many levers that you can pull and this dashboard allows you to identify how those levers impact the next 12 months of performance.

Want to see what your next 12 months look like? Let’s get your roadmap ready.

At Informed Decisions, we understand that navigating the future requires more than just looking back at past performance...
17/04/2026

At Informed Decisions, we understand that navigating the future requires more than just looking back at past performance. We build dynamic, driver-based forecasting systems that transform complex data into clear, actionable insights, helping your business move from managing complexity to seizing opportunity. Follow us for insights and drop us a message if your current dashboards aren’t telling the whole story.

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Hamilton

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6am

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