Guide

How to finance your business

Need finance for your business? Learn about the types of finance, approaching lenders and investors and more.

A person in construction holds a clipboard and bag of money.

Download the guide to financing your business

Your intro to the different types of finance, including their pros and cons. Fill out the form to receive our finance guide as a PDF.

Now that you have your guide

Managing finances can feel overwhelming. With Xero’s powerful tools, small businesses can stay organised and confident.

Options for financing a business

There are many methods for financing your business. See how they each work and how they might fit your needs.

  1. What is business finance?

    Your new business idea is ready to go. Now you need to find the right small business funding. But where do you start?

  2. Peer-to-peer lending

    Peer-to-peer lending is an alternative method of getting a business loan. How does it work?

  3. Invoice financing

    Ever thought your cash flow would be better if everyone just paid what they owed you? Well, you may not have to wait.

  4. How crowdfunding works

    Crowdfunding can get you the money to build a business, and the attention to build a customer base.

  5. Small business grants

    Grants are a great funding option for some businesses. They can be a lot of work to get, but the reward is free money.

Why Xero knows about business finance

Xero is home to millions of small businesses, who use our software to run their finances and accounting. About 250,000 accountants and bookkeepers use us too. We asked some of those owners and experts about finance, then put their insights into this guide.

Handy resources for small businesses

People who are trying to finance a business often find these resources helpful.

Guide to starting a business

Knowing where to begin when you’re starting a business isn’t easy. Check out our tips for all the steps.

Read the starting a business guide

Business plan template

Use our templates to help transition from a rough idea to a real-life business.

Choose a template

Invoice guide

Check out our tips on the art and science of invoicing to help speed up payment.

Read the invoicing guide

Start using Xero for free

Access Xero features for 30 days, then decide which plan best suits your business.