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PAID RIGHT NZby Mel Curwood
0800 968 783Business hours
Mel Curwood - Business and life on your terms

I grew up in a family business.

And since then I have spent more than 25 years in and around New Zealand businesses. Nearly a decade of it working side by side with Kiwi trades, contracting and blue-collar businesses, helping them get paid.

Mel Curwood, founder of Paid Right NZ

Growing up in small town Waikato, in my parents’ upholstery and curtain-making business, my summers were spent on the floor with a couch and a modified screwdriver, picking tacks and nails out of the bottom of it. Everybody helped, and any coins we found down there were a bonus.

What I remember more clearly is the kitchen table, most nights covered in paperwork. My parents worked extremely hard, did not pay themselves enough, and then came home at the end of the day and faced the accounts.

They were very good at what they did. The commercial and financial side of it they had to teach themselves, the hard way.

They also showed me you could own your own time and build something of your own.

My own career has run from Bank of New Zealand, GE and Fonterra to hands-on operators, eight of those years in partnership with a large national credit management provider.

I have specialised in helping businesses reduce their risk and take more control of how and when they get paid.

In that time I have seen what financial exposure looks like. The trusted client who stopped paying. The liquidation that blindsided a business that had done everything right. I also saw how much of it was simply accepted as the way things are.

We have worked with over 350 New Zealand businesses.Some have been with us through second generations, and through births, deaths and marriages. You end up part of the story.

When you register a company at the Companies Office, nobody hands you a guidebook on how to do business.

There is a strange duality in how our economy works.

In retail, you pay before you get the thing. In the trades, contracting, manufacturing and services, the people doing the actual work carry nearly all the financial risk. They spend the money, do the job, and then wait to find out whether they will be paid.

So when something goes wrong, the impact can be devastating, for them and for the businesses around them. New Zealand is a small, deeply interconnected economy, and when one part of it is destabilised the ripple is real.

This is about more than restoring fair balance. It is about helping good businesses get stronger and build real wealth.

I work at two levels.

My mission is simple: build the infrastructure that means you get paid in full, on time, every time. For every job you deliver.

At the macro level, shining a light on something that has never really had a full lens shown on it. Late payment, unfair terms, and the quiet financial exposure carried by the businesses that build, make and keep New Zealand moving. That is the conversation I am here to open.

In August 2026 I took it to the panel at the NZQBA Bookkeeping Conference, on cash flow pressure, funding challenges and late payment.

At the micro level, business by business. There are common threads, but no two businesses do the same work, carry the same risks or have the same people. The infrastructure we build together is built for yours.

That deeper work happens either in a room with other business owners and leaders, or inside your own business with your own team. See how it gets built.

If there is anything I can do with my career to help families in the same situation my parents were in, so that when they get home at the end of the day they get to be with their kids, and they have confidence in their business and their cash flow, then I think we are winning.

Founder led, team delivered

Government-funded business support

Registered with the Regional Business Partner Network

Our training programmes are registered services within the Regional Business Partner Network. If your business qualifies, public funding may go towards the cost, and we will introduce you to the people who look after that funding locally.

Life doesn’t stopEven for business owners and leaders.

Mel Curwood with her husband and their two sons on a street in Japan, November 2025, celebrating his recovery

In March 2022 my husband of then 25 years was diagnosed with stage 4 bowel cancer. There was no way I could think about being active in my business.

Because we had fast access to the money the business had earned, I could pause, find my feet, and work out how we were going to move from a terminal diagnosis to a recovery.

In November 2025 we went to Japan as a family to celebrate that recovery, and shortly afterwards his 50th birthday. Nothing in life is guaranteed. So we may as well enjoy what we do and take off as much unnecessary pressure as we can.

Good Magazine also told part of that story in Finding good after crisis and how to carry on.

If money you have earned is sitting outside your business right now, start here: not being paid for work you have done.

Get in Touch.

If any of this sounds like your business, we would like to hear from you.

Bring us your situation

0800 968 783
Monday to Friday, during normal business hours.