Clearer numbers, less tax pressure, and the capital to grow.
Ledger & Lending Co. brings accounting, tax, and commercial finance into one disciplined advisory practice — helping businesses understand their numbers, strengthen cash flow, plan for growth, and access the capital they need to move forward.
Free, no-obligation — we reply with the next practical step.
Services
Accounting & Business Advisory
From annual accounts and day-to-day finance support through to forecasting, restructuring, and business sale preparation, we help keep the numbers clear, commercial, and ready to support better decisions.
- Annual accounts
- Tax returns
- GST returns
- Bookkeeping support
- Xero setup and cleanup
- Payroll support
- Management reporting
- 3-way forecasts
- Business plans
- Company formation
- Business restructuring
- Company wind-ups
- Business valuations
- Trust accounting
- Business sale preparation and support
Tax
Tax is not just about filing returns. We help businesses plan ahead, manage risk, and deal with IRD matters before they become bigger problems — from tax planning and provisional tax to tax debt negotiations, payment arrangements, tax financing options, and support through complex IRD correspondence.
- Tax planning
- Provisional tax support
- IRD correspondence and negotiations
- IRD mediation support
- Tax debt management
- Payment arrangement support
- Tax financing options
- Business and group tax structuring
- Shareholder salary and dividend advice
Commercial Finance
Accessing capital is easier when the numbers, story, and structure are presented clearly. We help businesses prepare, package, and navigate funding options for growth, assets, working capital, and business purchases.
- Asset and equipment finance
- Working capital funding
- Business purchase finance
- Mortgages
- Growth funding
- Loan packaging and lender support
- Refinance support
- Insurance and risk cover support
Trusted by business owners across New Zealand
- Trades & Construction•
- Farming & Rural•
- Hospitality & Tourism•
- Retail & E-commerce•
- Property & Real Estate•
- Health & Medical•
- Professional & Digital•
- Manufacturing•
- Transport & Logistics•
- Education•
- Not-for-Profits•
Contact
Tell us what you need help with — accounting, tax, IRD matters, funding, or a wider business decision. We’ll review your enquiry and respond with the next practical step.
- Response time
- Usually within one business day.