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Work With Mel - Protect Your Business & Everything You’ve Built.

Protect your cashflow, reduce risk, and make better decisions — starting with clarity.
Start doing business & life on your terms.

I know what it feels like to run a good business under pressure — working hard, doing the right things, and still feeling like cashflow and decision-making could flow better. My journey has been about building more than stability; it’s been about creating freedom through structure and clarity.

This is the same transformation I now create for my clients. I work alongside established business owners and leaders to protect and strengthen cashflow, unlock financial capacity, and move from “good but pressured” to operating with clarity, confidence, and the freedom to think bigger.

The work is practical and preventative. We focus on where risk actually enters a business — often long before an invoice is issued — and put structure around decision-making, cashflow, and exposure so businesses get paid faster, stay paid, and are protected from the financial and legal fallout that can quietly erode what they’ve built.

Creating payment protection and cashflow confidence happens before the job even starts.

Smiley Mel Curwood, an EC Credit Control Specialist in the Waikato, supporting small businesses to reduce cash flow problems.

Start with a Cashflow & Risk Clarity Session

Before changing systems or committing to larger work, we start with clarity.

This 90-minute Cashflow & Risk Clarity Session is a paid strategic intervention designed to identify where cashflow risk is actually entering your business, what’s creating pressure behind the scenes, and which decisions will make the biggest difference right now.

Many strong businesses are exposed not because they’re failing — but because risk enters long before an invoice is issued.

Looking Ahead (coming soon): The Paid Right Accelerator

Some business owners don’t need one-to-one advisory — they want structured guidance, proven frameworks, and the confidence that comes from working through change alongside other experienced operators.

Paid Right is a facilitator-led accelerator designed to help business owners strengthen how cashflow, risk, and decision-making are handled across the business — with clarity, structure, and consistency.

Inside Paid Right, participants work through:

  • Practical frameworks for identifying and reducing cashflow risk

  • Clear decision structures that remove guesswork and reactivity

  • Boundary-setting approaches that support healthier client relationships

  • Systems thinking that helps cashflow improve without constant chasing

  • Peer insight and facilitated discussion to support real-world application

Paid Right is not a course to “consume” — it’s a guided, implementation-focused experience for business owners who want to embed better ways of operating over time.

Important boundary sentence (keep this verbatim):

For now, the Cashflow & Risk Clarity Session is the correct starting point for anyone wanting personalised insight into their business.

Interested in future cohorts?

Paid Right is not currently open for enrolment.
If you’d like to be notified when future cohorts open, you can register your interest below.

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Thanks — you’re registered. You’ll be the first to receive details when Paid Right opens for enrolment.

Deeper Structural Work (By Invitation Only)

For some businesses, the Cashflow & Risk Clarity Session reveals the need for deeper structural work.

Where appropriate, I work with business owners to redesign how cashflow, risk, and decision-making are structured across the business — so systems support growth instead of undermining it.

This work may include:

  • Personalised diagnostics to identify structural risk and friction points

  • Process mapping to clarify roles, decisions, and cashflow triggers

  • Implementation support to ensure systems are adopted, not ignored

  • Team engagement to embed new ways of working sustainably

Larger advisory and infrastructure engagements are only discussed after a clarity session, to ensure the work is appropriate, targeted, and commercially justified.

Why Work With Mel?

II work alongside business owners and leaders to uncover what’s really driving pressure, risk, and friction — and then put the structure in place that restores clarity, control, and confidence.

What makes working with me different:

I see what others miss.
I don’t stop at surface symptoms like slow payment or cashflow stress. I look at where risk actually enters the business — often well before an invoice is issued — and identify the decisions, gaps, and assumptions that quietly undermine otherwise strong operations.

I make it practical.
This work is grounded in real-world application. We clarify decision points, responsibilities, and cashflow triggers so changes aren’t theoretical — they’re understood, adopted, and used by the people who need to rely on them.

I focus on prevention, not recovery.
Rather than reacting to problems once they become expensive, the work is about building foresight and protection into how the business operates — so cashflow is more predictable, exposure is reduced, and fewer surprises land on your desk.

I understand the weight you’re carrying.
I’ve worked with hundreds of business owners and leaders across a wide range of industries and complexity. I know the responsibility that comes with running a business, supporting a team, and protecting what you’ve built. This work is about making business safer, clearer, and more sustainable — without adding unnecessary noise or overwhelm.

If you’re ready to move beyond patchwork fixes and build a business that works structurally, financially, and practically, we’ll start with clarity.

Thoughtful Mel Curwood, an EC Credit Control Specialist in the Waikato, supporting small businesses to reduce cash flow problems.

What Emily from JD Motorcycles had to say about working with Mel

"We’ve been in business for about five years, and in the beginning, our biggest challenges were a lack of knowledge, no real processes, and cash flow struggles. Since bringing Mel on board a year ago, everything has changed for the better. She provided the focus and direction we needed, almost acting as a business mentor, offering practical solutions that we could cope with and was always within our capabilities, there was no pressure and she could always see what we needed to do to improve things.

The biggest transformation has been in our cash flow and getting our Terms of Trade sorted—both of which have made a huge difference. Mel is incredibly personable and kind, and she truly understands how to guide a business without overwhelming us. Working with her has been invaluable, and we can’t recommend her highly enough!"

A note on clarity and expectations -
Terms of Trade

General disclaimer
The information shared through my sessions, programs, and resources is intended to support clarity, decision-making, and stronger business practices. It does not constitute legal, financial, accounting, or other professional advice, and should not be relied on as a substitute for advice tailored to your specific circumstances.

While care is taken to provide practical, experience-based guidance, outcomes will always depend on individual decisions, implementation, and context. No specific results are guaranteed.

I believe good work starts with clear expectations. My services are delivered under standard terms and conditions, which outline the scope of sessions, responsibilities, and important practical details.

These terms apply across my offerings and are designed to support open, respectful, and effective working relationships. By booking or participating in any service, you acknowledge and agree to these terms. View Terms of Trade HERE.