With tensions in the Middle East impacting global energy markets, we are beginning to see fuel prices move quickly. This is something that can have a real impact on New Zealand businesses, particularly those operating fleets, heavy equipment or transport-intensive operations.

Industry groups are already warning operators to take action. The New Zealand Trucking Association recently noted that global disruptions can flow through to the fuel pump with little warning, leaving businesses facing sudden increases in operating costs.

Fuel has now become one of the largest cost pressures in the transport sector, accounting for around 30% of operating costs, up significantly since the recent conflict began.

At the same time, the Reserve Bank is navigating a difficult environment for interest rates. Global uncertainty, energy prices and inflation pressures can all influence the direction of monetary policy, which means the outlook for interest rates remains uncertain. Wholesale rate curves do point to rising interest rates later in 2026, based on increased expectations that the reserve bank will need to fight some fuel cost related inflationary pressures.

While these influences are outside our control, we can control how well prepared we are. Periods like this highlight the importance of having the right funding structure in place before pressure hits your business.

How Finance New Zealand can help

One of the most valuable roles I can play as your adviser is helping you prepare ahead of time.

This includes:

→ Sorting headroom and flexibility in your funding before you really need it. This might involve putting facilities in place now to ensure you have sufficient working capital available in the coming months if costs increase.

→ Preparing a clear financial information pack and presenting your business story to lenders, so they understand how your business operates and can assess funding opportunities quickly.

→ Creating competitive tension between lenders, particularly while banks and non-bank lenders are actively chasing quality new business. This helps ensure you are comparing the best available options in the market for your business.

→ Structuring facilities that provide breathing room when costs fluctuate or opportunities arise. Working across a wide range of lenders allows us to combine different funding solutions. These include revolving credit facilities, term loans aligned to your cashflow, working capital facilities, and lease options for equipment.

Importantly, I can also help you look at the full funding picture across your business — including property lending, equipment finance, foreign exchange, and working capital to ensure everything is structured in the most effective way across all your lending.

In uncertain economic periods, the difference between a reactive decision and a well-structured funding position can be significant.

A conversation can make a difference

Even if you’re not planning to borrow today, it can still be worthwhile reviewing your current lending structure and understanding what options may be available.

Out role is to help you secure the right funding, from the right lender, with the right structure, before it becomes urgent.

If you’d like to talk through your current position or upcoming plans, contact your local Finance Zealand Adviser today.