How to finance your business

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

Options for financing a business

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

1. What is business finance?

It’s important to find funding that fits. Check our questions to get your thinking started.

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2. How much do you need?

Knowing how much money you need, and for how long, will help you choose the right type of finance.

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3. Debt vs equity finance

Do you want to take on a loan or investors? What are the pros and cons of each?

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4. The main types of finance

Learn about the main types of finance that fund most businesses.

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5. Getting a business loan

Find out more about business loans, how they work and how to get one.

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5.1. Peer-to-peer lending

Peer-to-peer lending is an alternative way to finance your small business. What are the pros and cons?

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5.2. Friends and family loans

Using friends and family loans to finance your small business can work if you follow a few rules.

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5.3. Invoice financing

Invoice financing can give you access to funds when your cash flow stalls. How does it work?

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6. Finding investors

Taking on investors instead of debt is another way to raise small business finance.

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6.1. Angel investors vs venture capitalists

Learn the difference between angel investors and venture capitalists.

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6.2. Crowdfunding

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

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7. Small business grants

Small business grants can be a source of funds for some businesses. Learn where to find them.

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8. Pitching for business funding

How can you help lenders and investors decide whether to take the risk with you?

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9. Get extra support

Once you’ve decided on business  finance, you’ll need to execute the strategy. Get tips and tools to help.

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This guide is intended as general information only. Always check with a professional for advice.

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Includes articles on debt funding, getting investors, making your pitch and more.

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Get help from an accountant

Accountants are also great business advisors. Talk to one about your business plans and finance needs. You can find one in the Xero advisor directory.

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Handy resources for small businesses

Since you’re wondering how to start and finance a business, you might 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

Guide to invoicing

Don’t let your cash flow suffer. Check out our tips on the art and science of invoicing to help speed up payment.

Read the invoicing guide