Documentation makes business sense

Every business naturally comes with several challenges and risks. From tough clients disputing small parts of the job or pricing to unexpected issues and defaulting clients. Mitigating these risks makes your company more efficient and profitable over the long run. Good business documentation ensures that legal options are available in case things go south.

How documentation helps

With any business, there are times when things don’t go according to plan. A freak accident at a house you were renovating that caused damage. Or the company who bought a big consignment from you goes under. In these cases, having proper business documentation in place can go a long way in helping you avoid losses and having to deal with bad debts.

Documentation like our comprehensive terms and conditions are made by the most experienced legal experts and are guaranteed to be enforceable in a court of law. Here are some things our documentation can help with:

Passing information over to debt collection agencies

With the introduction of the Privacy Act of 2020, you need written consent from clients to legally store or pass on their information to third-party agencies like debt collection companies. When you have best practice business documentation, you can make sure your client gives you this consent to pursue other options legally in case things don’t go according to plan.

Charging interest on overdue invoices

If you don’t get paid by your client on time, you are effectively losing money, thanks to inflation. With every passing day, inflation can quickly reduce the value of your unreturned capital. With the proper business documentation, you can legally collect up to 36% interest per annum on your unpaid amount, mitigate losses, and prompt payment.

Passing on collection costs

In addition to inflation eating away at your unpaid invoice, you will also incur debt collection costs. If you engage a third party or a collection agency to retrieve your capital, you will need to pay them a commission for the service. You can pass on these costs to your client, provided you have business documentation that clearly defines the measures you can take if your client defaults.

We guarantee our business documentation to be enforceable in any court in New Zealand, or we will refund you 100%. We also maintain regular contact with you and will provide one year's advance notice on any law changes that may affect business in the future so that you’re always compliant with current laws.


Get in touch with us for guaranteed terms and conditions of trade.

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Brooke Ahern
Lower North Island Manager

Based on the Kapiti Coast in Wellington, with over ten years of success as a strategic, hands-on leader, Brooke Ahern brings a wealth of experience over his career, driving innovative revenue growth and profitability for his organisations. As Brooke progressed through his career, he developed a reputation for being creative and executing high-profile product marketing and growth strategies. These have significantly impacted an organisation’s bottom line.

After ten years of management experience ranging from business development manager to chief revenue officer for a large company, Brooke joined Debt Free Limited in 2022 after observing and experiencing the difficulties in obtaining and managing business documentation. Brooke saw an opportunity to provide New Zealand businesses with industry-leading credit-checking tools and documentation they need to mitigate/prevent future risk.

Brooke has a proven record of going above and beyond for his clients, and we are excited to have him a part of the team here at Debt Free

[email protected] | 0212262563

Mark McLachlan

Mark is an expert with ten years of experience dealing exclusively with business documentation and credit management processes. He has completed a New Zealand Certificate in Financial Services Level 5 qualification and consulted with thousands of companies, saving his clients millions.

Mark founded Debt Free in 2021 as he is passionate about helping New Zealand companies to succeed and flourish by getting paid their hard-earned money while avoiding typical issues faced in their industry. He has immense knowledge of real-life cases and how tailored credit management processes can prevent debt, address the unique demands of a wide range of industries, and remove risks and liabilities relevant to business activities.

Attending association and organisation speeches, Mark is a respected figure in the credit management industry and is a member of the New Zealand credit and finance institute.

[email protected].nz | 021 283 9027

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[email protected] | 0212839027

Josh Whitehouse
South Island Manager

Growing up in Taranaki, Josh worked in business consulting for eight years, delivering successful solutions to his clients before relocating to Christchurch and joining Debt Free in early 2022 to look after the beautiful South Island.

Josh is a trusted and valued team member specialising in business documentation, business development, credit management and account management. He has helped the companies he consulted with to implement best practice credit management processes and saved individual clients hundreds of thousands of dollars. Josh entered this space for one reason, his absolute love and adoration for people and a passion for helping others to achieve greatness in business and life.

Josh’s business motto is “there is untapped greatness in all of us. Sometimes we just need a little help to cultivate it.”

[email protected].nz0272722132


Rana searle
Office Manager

Rana started as an Office Manager when she was only a teenager and has extensive experience across many different industries, including building, horticulture and healthcare. She is a great communicator, an avid list maker, and always plans things well in advance.

Rana is super helpful, caring and kind and is a perfectionist when it comes to documentation. She has an incredible eye for detail and thrives on getting stuck in and succeeding. Rana prides herself on being people-focused, loves motivating others to be their best and always puts her client’s needs first as she genuinely cares and wants the best outcome.

Rana is always smiling, has a proven track record, is a natural-born leader who loves managing a team and genuinely loves to help whenever and wherever she can. She is passionate about our purpose to make sure New Zealand businesses flourish and grow. Rana loves being able to help the people behind those businesses feel safe and secure to succeed and is a big part of the Debt Free team.

[email protected] | 0212226425