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The Business Owner’s Credit & Risk Health Check
Because Getting Paid Shouldn’t Feel Like a Gamble— Let’s Make Sure You’re Protected.
How protected are you? Use this checklist to find out then score yourself to see where you can make the biggest positive impact on your cashflow.
The Business Owner’s Quick Guide to Securing Payments & Reducing Risk
A Practical Starting Point Before We Dive in Properly Together. This quick guide will help you:
✔ Identify gaps in your payment process.
✔ Spot financial risks before they become a problem.
✔ Understand where to strengthen legal protections.
I See You. You’ve worked hard to build your business. You take pride in what you do, and you’re great at it.
Maybe you’re already feeling the strain—chasing invoices, waiting on late payments, and wondering why getting paid is harder than doing the work.
Or maybe, so far, things have gone well. You’ve been lucky—you’ve never been completely caught out. But deep down, you know that luck isn’t a plan.
Here's the truth:
The businesses that thrive long-term aren’t just good at what they do—they know how to protect what they’ve built.
Getting paid on time & reducing your risk isn’t just about fixing a problem—it’s about preventing one before it happens.
I know what happens when businesses don’t have strong payment systems in place. I’ve seen it firsthand.
With the right systems, protections, and boundaries, you can lock in financial security, remove risk, and make sure your business stays strong—no matter what the market throws at you.
Start with my Free Workshop and secure what you’ve built—before it’s too late.
Hi, I’m Mel Curwood.
I’m a Mum, a Wife, and a Business Owner—I know what it’s like to work hard and still worry about getting paid.
I grew up watching my parents build a business, putting in the hours, making sacrifices—but cash flow stress and late payments made it tougher than it needed to be.
That’s why I do what I do.
For years, I’ve helped business owners across New Zealand secure strong payment systems, protect their cash flow, and take control of their financial future. I’ve heard it all:
“I thought late payments were just part of business.”
“I trusted that customer, now I may never see my money.”
“I’ve been lucky so far, but I know that’s not a plan.”
With the right protections, you don’t have to chase money or hope for the best—you can get paid on time and reduce your risk.
That’s why I created my Free Workshop—so you can stop feeling like a bank for your customers and start running your business with confidence.
You’ve worked too hard to leave your financial future to chance. Let’s secure what you’ve built
Ready to Take Action ?
If you’ve landed here, chances are you’re ready for things to feel a little easier—less chasing, less stress, and a whole lot more confidence when it comes to your cash flow.
A Strategy Session is your chance to hit pause and have someone in your corner for an hour—listening, asking the right questions, and helping you make sense of what’s going on behind the scenes in your business.
You’ll walk away with a clear, implementable strategy tailored to your business—things you can action straight away to tighten up your systems, protect your income, and take the pressure off. No fluff, just real tools and a plan that works.
In this session, we will:
This is your hour—focused, practical, and all about finding what will actually work for your business.
We’ll take a look at where things are at with your cash flow, unpack what might be holding you back, and explore what’s making things harder than they need to be.
We’ll also dig into how you work, who your customers are, and what might be putting you at risk without you even realising it. From there, I’ll walk you through tools and next steps that are tailored to you—real solutions you can start using straight away to protect your income and grow with confidence.
You’ll leave with more clarity, less stress, and a clear plan to move forward.
I was impressed with Mel's professionalism and knowledge of her industry. She is very personable, approachable and is passionate about her business owners and their outcomes.
Jo Mackie
Mel is so passionate, her knowledge of the industry is exceptional. Wonderful service
Becky Knight
"We've been consistently impressed by Mel's dedication to helping business owners thrive. We've seen first hand how passionate they are about simplifying the complexities of cash flow, getting paid, and protecting businesses. Even in brief conversations, she offer's valuable insights and demonstrate a genuine desire to help. We wouldn't hesitate to recommend Mel to any business owner seeking support in these crucial areas."
Marque Brand Studios
