Terms of Trade
Terms of Trade
Protect your cash flow with clear, enforceable terms of trade.
Clear terms of trade help you get paid on time, manage risk, and avoid unnecessary disputes. Our fixed-fee Terms of Trade service helps NZ businesses set clear payment terms, protect their rights, and support effective debt recovery when needed.
Protect Your Cash Flow With Terms of Trade and Debt Recovery
Strong terms of trade are the foundation of getting paid.
Without clear and enforceable terms, businesses are exposed to late payments, unpaid invoices, and unnecessary disputes. Well-drafted terms of trade set expectations upfront, outline your rights, and give you the ability to take action if payment issues arise.
At Margate Group, we help businesses put practical terms of trade in place that support cash flow and reduce risk. Where required, we also support the early stages of debt recovery so you can act with confidence.
What's included in our service
One-off cost:
$495 + GST
No hourly rates. No hidden fees.
- You'll get:
- Drafted or reviewed Terms of Trade
- Payment terms aligned to your business operations
- Guidance on PPSR registration where relevant
- Support aligned with NZ commercial standards
Payment Available
Payment Available
What You Can Expect
Protect your revenue with clear, enforceable Terms of Trade.
Secure Payment Terms
Get paid faster. We define strict due dates, penalty interest, and collection costs so clients prioritize your invoices.
Limit Liability & Risk
Cap your exposure. We draft robust clauses that limit your liability for damages and protect your business assets.
Prevent Scope Creep
Stop unpaid work. We clearly define deliverables, warranty limits, and return policies to prevent client disputes.
NZ Law Compliance
Stay safe. We ensure your terms fully align with the Fair Trading Act and Consumer Guarantees Act.
The Margate Group Standard
Tailored specifically to your industry risks, not a dangerous generic template.
Enforceable payment structures designed to reduce bad debts and arrears.
Clear frameworks for handling cancellations, returns, and complaints.
Terms that meet all current NZ commercial legislation requirements.
Why Businesses Work With Us
Businesses choose Margate Group for Terms of Trade that are clear, compliant, and enforceable. We replace risky templates with custom documentation that limits your liability and secures your payment terms. With fixed-fee pricing and plain English drafting, we make protecting your business simple and affordable.
Trusted by Businesses Across NZ
Trusted by
Businesses Across NZ
From small businesses to established organisations, we’re trusted across New Zealand for clear and practical and business support.
Frequently Asked Questions
What is the PPSR and why does it matter?
The Personal Property Securities Register, or PPSR, helps protect your interest in goods or services you have supplied. If a customer does not pay, a properly registered PPSR can strengthen your position to recover what you are owed.
What is a PMSI and how does it work?
A Purchase Money Security Interest, or PMSI, is a specific type of PPSR registration that can give you priority over other creditors. When set up correctly, it helps ensure your interest ranks ahead if a customer defaults or becomes insolvent.
What happens if I do not register a PPSR?
If you do not register a PPSR, you may lose your rights to goods or payment if a customer defaults or goes insolvent. Registration helps protect your position and reduces recovery risk.
Can I register a PPSR myself?
Yes, you can register a PPSR yourself. However, the process can be complex and errors may affect your protection. We help ensure registrations are completed correctly and aligned with your terms.
Can I charge interest on overdue accounts?
Yes, interest can be charged on overdue accounts if it is clearly stated in your Terms of Trade. We help ensure these provisions are drafted correctly so they are enforceable.
When should I issue a statutory demand?
A statutory demand is typically used when other recovery attempts have failed. We help you assess whether it is the right step and support you through the process in a compliant and structured way.