Friday, November 06, 2026
Some customers drain you, some fund you, and you can't always tell which. A one-hour grading exercise shows SME owners exactly where their real revenue sits.
A major retailer or a bigger competitor offers to put your product on their shelf under their own label, at guaranteed volume, no marketing spend required — and it feels like the growth break you've been waiting for. Kevin has watched a dozen FMCG founders take that deal in the last few years, and he has watched most of them regret it within eighteen months. Private label manufacturing can be a legitimate part of an SME growth strategy. It is almost never the free win it looks like on the term sheet, and the founders who get burned are usually the ones who said yes without running the numbers past the guaranteed volume line.
Private label deals are seductive because they solve the hardest problem in FMCG — guaranteed distribution — without the years of grind that building your own brand shelf presence normally takes. But volume isn't growth if it comes at the cost of margin, capacity, and brand equity all at once. Kevin has seen businesses take on a private label contract that filled 60% of production capacity at wafer-thin margin, leaving no room to service their own branded customers during peak season — and no leverage to renegotiate once the retailer knew how dependent they'd become. The deal that looked like growth on the way in becomes a single customer holding the business hostage on the way out.
1. Cap the capacity — Set a hard ceiling on what percentage of production any private label contract can consume, before you negotiate. Most businesses that get hurt never set this number in advance.
2. Price the exit, not just the entry — Model what happens to your cost base and cash flow if the retailer cancels the contract in twelve months. If that scenario sinks the business, the contract is too large.
3. Protect the brand line — Keep your own branded product's shelf presence and marketing investment intact regardless of the private label volume. The moment your own brand goes quiet to service someone else's label, you've stopped growing your business and started growing theirs.
"Kevin has some amazing ideas around marketing, things we would have never thought of ourselves. He also helped us through the process of getting into supermarkets. He has gone above and beyond what he needed to!"
— Amy Nixon, Icehouse Coaching Programme
Cash flow pressure makes guaranteed volume irresistible in the moment, and the long-term brand cost is invisible on a term sheet — it only shows up eighteen months later, in a P and L that's grown in revenue but shrunk in margin and control. This is a decision that benefits enormously from an outside read before signature, not after: someone who has sat on both sides of exactly this kind of deal and can price the real risk before the ink dries, not once the retailer already holds the leverage.
If a private label conversation is on your table right now, get the numbers checked before you sign — not after.
...and you become the owner who grows the brand on your terms, not a retailer's.
Sunday, November 01, 2026
A franchise network or an independent coach? Here is who each suits, what is publicly known about cost and guarantees, and the questions to ask before you sign. Checked 1 November 2026.
Sunday, November 01, 2026
New 2026 research shows SME owners earning most of their revenue from repeat customers are nearly four times more likely to be profitable than those chasing new customers alone. Here is the simple shift that changes the number that matters.
Sunday, November 01, 2026
Management Capability Development funding can cover up to half of one-to-one business training for eligible NZ businesses. Here is who qualifies, what it covers, what it does not, and the order to do things in.
Sunday, November 01, 2026
Revenue can climb for years while the business quietly becomes more dependent on you, not less. Here's the growth driver most SME owners never put on their own dashboard.
Sunday, November 01, 2026
You cancelled the weekend away again. If you can't step away long enough to ask whether a coach is worth it, that's not a reason to skip the question — it's the reason to ask it.
Sunday, November 01, 2026
94% of NZ owners say they're not reaching their business goals. Not from lack of effort — from nowhere to see progress. Here's the visible scoreboard that fixes it.
Sunday, November 01, 2026
If every deal needs your personal persuasion to close, you don't have a sales process — you have a treadmill. Here's how to fix the offer so it does some of the selling for you.
Sunday, November 01, 2026
A positioning statement sits in a folder. Distinctiveness lives in the details customers actually notice. Here's the gap between knowing your difference and being remembered for it.
Sunday, November 01, 2026
Saying yes to every enquiry feels safer than growth. It isn't. Here's the strategic choice — who you're actually playing to win with — that most SME owners never make on purpose.
Sunday, November 01, 2026
Most NZ businesses are owner-run and many have no staff, so advice has to fit one person's week. Here is how coaches, consultants, mentors and peer groups differ, what is publicly known about cost, and how RBPN funding can help. Checked 1 November 2026.
Sunday, November 01, 2026
Four well-known ways to get help growing your business, compared on who each suits, what is publicly known about cost, and the seven questions to ask before you sign. Checked 1 November 2026.
Saturday, October 31, 2026
Most SME owners have a 12-month plan for the business but no vision for their own life. Here is a simple 3-step fix, plus the research behind it.
Saturday, October 31, 2026
US owners lose 33 working days a year to financial worry, mostly from not knowing their numbers. Here's the 2-number Monday check that closes the gap.
Saturday, October 31, 2026
46% of NZ small business owners aren't paying themselves. Here's why that has to change, and the three moves that build it into a real habit, not a hope.
Saturday, October 31, 2026
US owners lose 22 hours a month to financial admin and 56% get blindsided by a tax surprise. Here's the E-Myth fix that gets the books off your desk for good.