Judith Collins says the rainy day's here now and people need to get their hands on some of their KiwiSaver cash

The National party leader wants to make at least 30-thousand dollars available to help people who have a business idea, including 20-thousand they could withdraw from KiwiSaver.

She says it's open to those who have lost their job since March.

Collins says tradespeople, for example, know they can make a living if they're very careful.

She says if they're not paying interest to a bank or even worse, to a finance company, they can cut costs.