# The 5 Ways Regular Kiwis Are Buying Businesses

Page: https://stenobird.com/podcast/making-cents-6998736/the-5-ways-regular-kiwis-are-buying-businesses
Text version: https://stenobird.com/podcast/making-cents-6998736/the-5-ways-regular-kiwis-are-buying-businesses.md
Podcast: [Making Cents](https://stenobird.com/podcast/making-cents-6998736)
Published: 2026-09-20T16:00:00+00:00
Episode link: https://www.francescook.co.nz/making-cents
Audio file: https://episodes.captivate.fm/episode/0086569b-5eb1-4584-9dea-44ba0ba9cc58.mp3
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/making-cents-6998736/episodes/the-5-ways-regular-kiwis-are-buying-businesses
Duration seconds: 3558

## Resource

When the job market feels completely stuck, what if you could create your own job by owning a business? And instead of starting from scratch and hoping it works, what if you bought an established business with a proven track record? Buying a business isn't just buying yourself a job - run properly, it’s an asset you can grow, earn from, and eventually sell. Jess Shaw, Director of Vesta Finance joins Frances Cook on Making Sense to break down how everyday people can buy a business like an asset class. From borrowing options that don’t require a million dollars in cash to red flags in business and knowing what to look for under the hood, Jess shares the practical tools you need to take the leap. In this episode: Buying a business vs starting from scratch How to view a business as an asset class rather than just an income How to fund a business purchase Why you don’t need $1 million in cash to buy a $1 million business The "build your own boardroom" rule: the four key experts you need on your side The hidden trap of debt servicing Building liquidity and rainy day funds to ride out economic downturns How to know when you're in "build mode" vs "cut mode" with your money Whether you are looking to step out of the 9-to-5, build a new income stream, or grow your long-term wealth, this episode breaks down the real steps to buying and running a business on your own terms. This episode of Making Cents is proudly supported by Odoo. Go to https://www.odoo.com/r/hpl now and try it for free, for 15 days. Follow me everywhere! Facebook / https://www.facebook.com/FrancesCookNZ Instagram / https://www.instagram.com/francescooknz TikTok / https://www.tiktok.com/@francescooknz Join the Money Memo newsletter for a free weekly money tip in your inbox each week https://www.francescook.co.nz/…

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/making-cents-6998736/episodes/the-5-ways-regular-kiwis-are-buying-businesses/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/making-cents-6998736/the-5-ways-regular-kiwis-are-buying-businesses.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.