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Ask Mr · IRD & GST

Ask about IRD & GST

Tax debt, instalment arrangements, provisional tax and GST bills — what they mean for borrowing in New Zealand, without the jargon.

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  1. Q1 Can I get a business loan with an IRD debt?Owe Inland Revenue for GST, PAYE or income tax? How New Zealand lenders view IRD debt, when a loan to clear it makes sense, and what to sort first.
  2. Q2 What's an instalment arrangement, and will a lender care?What an Inland Revenue instalment arrangement is, how to set one up in myIR, what it does to penalties, and how New Zealand lenders read it.
  3. Q3 How does provisional tax affect my loan application?How provisional tax shows up when a New Zealand lender assesses your business: instalment dates, the second-year double hit, and how to plan around them.
  4. Q4 Should I borrow to pay my GST bill?Short of cash when GST is due? When borrowing to pay a GST bill makes sense for a New Zealand business, the alternatives, and how to avoid a repeat.
  5. Q5 I'm behind on PAYE and KiwiSaver. What now?Behind on PAYE, KiwiSaver or employer deductions? Why IRD treats them seriously, what to do this week, and how to fund the catch-up in New Zealand.
  6. Q6 Can IRD tell credit bureaus about my tax debt?Inland Revenue can share significant company tax debt with credit reporting agencies. The 2026 thresholds, the 30-day notice, and what it means for borrowing.
  7. Q7 Do I need my tax returns filed to get a business loan?Behind on income tax or GST returns? What New Zealand business lenders need to see, what you can borrow while returns are late, and how to catch up.

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