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There are two main sources of finance:

• Equity Financing - money invested into your business in exchange for a share in its ownership.
• Debt Financing - usually in the form of a loan where the principal amount borrowed and interest accumulated on the loan needs to be paid.

There are a number of sources of equity finance available to business. This includes:

• Personal Savings: money that you personally invest into the business.
• Friends and Relatives: people that you personally know invest into the business to lend assistance.
• Angel Investors: wealthy individuals who lend their personal finances to a business in return for a share in its ownership.
• Venture Capital: applications to professionally managed third parties such as a superannuation fund who lend finance based on a good business plan.

There are also a range of opportunities to secure debt financing such as:

• Leasing: hiring out equipment for a regular fee for the duration of the lease term, with no outlay to actually purchase equipment.
• Term Loans: paid back to a financial institution over an agreed period.
• Credit Cards: easy to acquire financial institution loans that carry high interest rates.
• Bank Overdrafts: where you withdraw more than your account contains, with interest calculated on your outstanding balance.
• Commercial Bills: short term loans where the amount must be paid in full upon reaching expiry.
• Loan Programs: short term loans set up to assist small business with initial start up expenses.
• Trade Credit: deferred payment of goods and services purchased form a supplier.

For more information on financing, visit:

• Australian Association of Angel Investors
• NAB Microenterprise Loans
• ANZ: The SB Hub