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Scott Wishart

Managing Director and Co-Founder of NZAB
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Recent Posts

The future of Agricultural finance. it’s all about rogue bees!

Jul 31, 2020 4:44:58 PM / by Scott Wishart posted in Debt, Action, Planning, Budget, Banking, Strategy

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Scott Wishart, Managing Director, NZAB

I came across this the other day:

A company pursuing only profit but not considering the impact of its profit seeking upon customer satisfaction, trust or long-term resilience, could do very well in the short term, but its long term future may be perilous. There is a parallel in the behaviour of bees, which do not make the most of the system they have evolved to collect nectar and pollen. Although they have an efficient way of communicating about the direction of reliable food sources, the waggle dance, a significant proportion of the hive seems to ignore it altogether and journeys off at random. In the short term, the hive would be better off all bees slavishly followed the waggle dance, and for a time this random behaviour baffled scientists, who wondered why 20 million years of bee evolution had not enforced a greater level of behavioural compliance
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Interest Rates: Are you getting what you deserve?

May 8, 2020 11:39:09 AM / by Scott Wishart


In the past there were two key ways to get the best interest rate. Firstly, borrow lots of money, or secondly shop around. Debt was readily available, banks had appetite to grow, and we were going through a wave of land use change and intensification that allowed for lots of money to be lent out on as yet unproven scenarios. 

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Coronavirus - Farm Finance Check

Mar 27, 2020 9:45:00 AM / by Scott Wishart posted in Debt, Coronavirus, Action, Planning, Budget, Agriculture, Banking, Covid-19, Strategy


There's a lot of uncertainties at the moment, but our job is to assist you in ensuring that your finance isn't one of them. To our clients, you'll be getting a call from us in the next couple of days so we can check in to see if there's anything else we can be doing to help you.

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