{"id":249561,"date":"2022-01-14T16:08:29","date_gmt":"2022-01-14T04:08:29","guid":{"rendered":"https:\/\/www.reckon.com\/nz\/?page_id=249561"},"modified":"2026-04-21T14:53:25","modified_gmt":"2026-04-21T01:53:25","slug":"business-financing","status":"publish","type":"page","link":"https:\/\/www.reckon.com\/nz\/small-business-resources\/business-financing\/","title":{"rendered":"Business Financing Guide"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;GLOBAL: Breadcrumbs&#8221; module_id=&#8221;product-nav&#8221; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;15px||15px||true|false&#8221; global_module=&#8221;250288&#8243; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|700||on|||||&#8221; text_text_color=&#8221;#0a004a&#8221; text_font_size=&#8221;14px&#8221; link_font=&#8221;||||||||&#8221; link_text_color=&#8221;#364150&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;2%||2%||true|false&#8221; locked=&#8221;off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text content_last_edited=&#8221;off|desktop&#8221; admin_label=&#8221;Text&#8221; module_id=&#8221;sbh&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; header_6_font=&#8221;|700||on|||||&#8221; header_6_text_color=&#8221;#ff5447&#8243; header_6_font_size=&#8221;16px&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p class=\"h6\">SMALL BUSINESS GUIDES<\/p>\n<h1>Your guide to business financing<\/h1>\n<p>[\/et_pb_text][et_pb_text content_last_edited=&#8221;off|desktop&#8221; admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; header_6_font=&#8221;|||on|||||&#8221; header_6_text_color=&#8221;#ff5447&#8243; header_6_font_size=&#8221;16px&#8221; text_orientation=&#8221;center&#8221; width=&#8221;40%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;90%&#8221; width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Everything you need to know about business financing in order to grow your small business.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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border_radii=&#8221;on|24px|24px|24px|24px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; module_class=&#8221;twocol-img-textcol&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; custom_padding_tablet=&#8221;|||0px|false|false&#8221; custom_padding_phone=&#8221;|||0px|false|false&#8221; custom_padding_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221;][difl_cptgrid post_type=&#8221;sbh&#8221; posts_number=&#8221;1&#8243; post_display=&#8221;by_tax&#8221; tax_for_sbh=&#8221;sbh_category&#8221; sbh_terms_sbh_category=&#8221;114&#8243; use_image_as_background=&#8221;on&#8221; alignment=&#8221;center&#8221; layout=&#8221;masonry&#8221; column=&#8221;1&#8243; gutter=&#8221;0&#8243; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; min_height=&#8221;400px&#8221; hover_enabled=&#8221;0&#8243; custom_css_free_form=&#8221;selector img{display:none;}&#8221; global_colors_info=&#8221;{}&#8221; locked=&#8221;off&#8221; sticky_enabled=&#8221;0&#8243;][difl_cptitem type=&#8221;image&#8221; image_size=&#8221;original&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; min_height=&#8221;400px&#8221; global_colors_info=&#8221;{}&#8221;][\/difl_cptitem][\/difl_cptgrid][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; module_class=&#8221;twocol-img-textcol&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; custom_padding_tablet=&#8221;|||0px|false|false&#8221; custom_padding_last_edited=&#8221;off|desktop&#8221; custom_css_main_element=&#8221;margin-top:auto;||margin-bottom:auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_custblog post_type=&#8221;sbh&#8221; taxonomy_sbh=&#8221;sbh_category&#8221; include_categories_sbh_category=&#8221;114&#8243; posts_number=&#8221;1&#8243; show_thumbnail=&#8221;off&#8221; show_more=&#8221;on&#8221; show_author=&#8221;off&#8221; show_date=&#8221;off&#8221; show_categories=&#8221;off&#8221; show_pagination=&#8221;off&#8221; admin_label=&#8221;Header Text&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; header_font_size=&#8221;32px&#8221; body_text_color=&#8221;#0A004A&#8221; read_more_text_color=&#8221;#5A3FFF&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;|25px|||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_custblog][\/et_pb_column][\/et_pb_row][et_pb_row module_class=&#8221;articles&#8221; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_custblog post_type=&#8221;sbh&#8221; taxonomy_sbh=&#8221;sbh_category&#8221; include_categories_sbh_category=&#8221;114&#8243; fullwidth=&#8221;off&#8221; posts_number=&#8221;20&#8243; show_more=&#8221;on&#8221; show_author=&#8221;off&#8221; show_date=&#8221;off&#8221; show_categories=&#8221;off&#8221; show_pagination=&#8221;off&#8221; offset_number=&#8221;1&#8243; admin_label=&#8221;Articles&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h3&#8243; header_font_size=&#8221;24px&#8221; border_radii_image=&#8221;off|20px|20px||20px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_custblog][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f3f2f6&#8243; background_image=&#8221;https:\/\/www.reckon.com\/nz\/wp-content\/uploads\/2024\/08\/page-background.png&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_right&#8221; background_vertical_offset=&#8221;10%&#8221; custom_padding=&#8221;||||false|false&#8221; background_last_edited=&#8221;on|tablet&#8221; background_vertical_offset_tablet=&#8221;0%&#8221; locked=&#8221;off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; disabled_on=&#8221;on|on|on&#8221; admin_label=&#8221;Download your free finance guide&#8221; module_id=&#8221;sbh-cat-form&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; display_conditions=&#8221;W10=&#8221; custom_margin=&#8221;90px||90px||true|false&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; disabled=&#8221;on&#8221; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.21.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|||60px|false|false&#8221; custom_padding_tablet=&#8221;|30px||30px|false|false&#8221; custom_padding_phone=&#8221;|||30px|false|false&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; custom_css_main_element=&#8221;margin-top:auto;||margin-bottom:auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;80%&#8221; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Download your free financial guide<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; header_3_font=&#8221;||||||||&#8221; header_4_font=&#8221;|700|||||||&#8221; header_4_text_color=&#8221;#df322a&#8221; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Financial guide<\/h4>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Get a handle on the various terms and processes involved with the financial management of your small business with our in-depth guide.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.21.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|60px|||false|false&#8221; custom_padding_tablet=&#8221;|30px||30px|false|true&#8221; custom_padding_phone=&#8221;|30px|||false|false&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code admin_label=&#8221;Gravity Form&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]\u200b[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Business Financing FAQs&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; header_2_text_align=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Business Financing FAQs<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=&#8221;Row&#8221; module_class=&#8221;faqs light&#8221; _builder_version=&#8221;4.27.0&#8243; width=&#8221;60%&#8221; width_tablet=&#8221;75%&#8221; width_phone=&#8221;90%&#8221; width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_toggle title=&#8221;What are the principal reasons for small business financing?&#8221; admin_label=&#8221;principal reasons&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"ExternalClass3D1BC0AD56FA4CB6A3F2803153614A2B\">\n<p>Business finance refers to the funds you need to set up and run your small business, especially in the early stages. Your finance business options can come in many forms. There are three key reasons for small businesses to seek funding:<\/p>\n<ul>\n<li>Inventory purchases<\/li>\n<li>Business expansion<\/li>\n<li>Financial strength<\/li>\n<\/ul>\n<p>Business finance isn\u2019t exclusive to funds at the start-up stage. It also refers to the finances you\u2019ll need to grow your small business.<\/p>\n<\/div>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;What are the financing options for small busness?&#8221; admin_label=&#8221;financing options&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"ExternalClass3D1BC0AD56FA4CB6A3F2803153614A2B\">\n<p>There are several types of small business finance options to unpack before deciding which one is best for your situation or stage of your business growth. These include:<\/p>\n<ul>\n<li>Bank loans<\/li>\n<li>Cash flow loans<\/li>\n<li>Self financing\u00a0<\/li>\n<li>Investor financing<\/li>\n<\/ul>\n<p>With all these types of funding for small businesses in mind, be sure to weigh your small business financing and lender options carefully before committing your small business to a certain avenue.<\/p>\n<\/div>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;What are the types of business finance?&#8221; admin_label=&#8221;types of finance&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>There are three types of finance for businesses. Each method of funding your business\u2019s start-up or growth comes with unique advantages, drawbacks, requirements and structures. They are:<\/p>\n<ol>\n<li aria-level=\"1\">Internal funding<\/li>\n<li aria-level=\"1\">Debt financing<\/li>\n<li aria-level=\"1\">Equity financing<\/li>\n<\/ol>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;How does business financing work?&#8221; admin_label=&#8221;how does business financing work&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"ExternalClass3D1BC0AD56FA4CB6A3F2803153614A2B\">\n<p>Most business loans are\u00a0<b>installment loans<\/b>. Instead of getting a revolving credit line, you receive the full amount of the loan upfront and pay it back in equal installments. This way, there&#8217;s a set repayment term, typically with fixed monthly payments.<\/p>\n<\/div>\n<p>[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Discover other small business resources&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; header_2_text_align=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Discover other small business resources<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row make_equal=&#8221;on&#8221; module_id=&#8221;sbh-cats-related&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; width=&#8221;100%&#8221; 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custom_padding=&#8221;30px|25px|30px|25px|true|true&#8221; link_option_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI0Njk5MCJ9fQ==@&#8221; border_radii=&#8221;on|24px|24px|24px|24px&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Everything you need to know about invoicing for your business and your clients.<\/p>\n<p><a href=\"\/nz\/accountant-bookkeeper-resources\/invoicing\/\"> Access Invoicing Guide <\/a><\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=&#8221;GST guide&#8221; disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;GST guide&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;_initial&#8221; background_color=&#8221;#FFFFFF&#8221; custom_padding=&#8221;30px|25px|30px|25px|true|true&#8221; border_radii=&#8221;on|24px|24px|24px|24px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Everything you need to know about GST including thresholds, rates &amp; 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admin_label=&#8221;Financial Guide&#8221; _builder_version=&#8221;4.27.0&#8243; _dynamic_attributes=&#8221;link_option_url&#8221; _module_preset=&#8221;_initial&#8221; background_color=&#8221;#FFFFFF&#8221; custom_padding=&#8221;30px|25px|30px|25px|true|true&#8221; link_option_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI0MzkxOCJ9fQ==@&#8221; border_radii=&#8221;on|24px|24px|24px|24px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Everything you need to know about financial statements and managing reporting.<\/p>\n<p><a href=\"\/nz\/small-business-resources\/financial-information\/\">Explore Financial Guide<\/a><\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=&#8221;Business Financing Guide&#8221; admin_label=&#8221;Business Financing Guide&#8221; _builder_version=&#8221;4.27.0&#8243; _dynamic_attributes=&#8221;link_option_url&#8221; _module_preset=&#8221;_initial&#8221; background_color=&#8221;#FFFFFF&#8221; custom_padding=&#8221;30px|25px|30px|25px|true|true&#8221; 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Section&#8221; module_class=&#8221;cta&#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; global_module=&#8221;281478&#8243; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row column_structure=&#8221;3_4,1_4&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_css_main_element=&#8221;margin-top:auto;||margin-bottom:auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; 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Unlimited users.<\/p>\n<p>&#8221; content_phone=&#8221;<\/p>\n<p>Cancel anytime. Unlimited users.<\/p>\n<p>&#8221; content_last_edited=&#8221;off|desktop&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Cancel anytime.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>SMALL BUSINESS GUIDES Your guide to business financingEverything you need to know about business financing in order to grow your small business.<div class=\"et_pb_module difl_cptgrid difl_cptgrid_0\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_module_inner\">\n\t\t\t\t\t<div class=\"df_cptgrid_container et_pb_ajax_pagination_container\" data-settings='{\"layout\":\"masonry\",\"on_scroll_load\":\"off\",\"use_current_loop\":\"off\",\"post_type\":\"sbh\",\"posts_number\":\"1\",\"post_display\":\"by_tax\",\"orderby\":\"1\",\"offset_number\":\"0\",\"use_image_as_background\":\"on\",\"use_background_scale\":\"off\",\"equal_height\":\"off\",\"entire_item_clickable\":\"off\",\"taxonomy_values\":null,\"selected_terms\":\"114\",\"selected_taxonomy\":\"sbh_category\",\"df_cpt_items\":[{\"type\":\"image\",\"class\":\"difl_cptitem_0\",\"title_tag\":\"h2\",\"post_content\":\"excerpt\",\"use_post_excrpt\":\"off\",\"excerpt_length\":\"270\",\"date_format\":\"M j, Y\",\"show_author_image\":\"off\",\"author_image_size\":\"16\",\"hide_author_text\":\"off\",\"read_more_text\":\"Read More\",\"image_icon\":\"\",\"use_icon\":\"off\",\"font_icon\":\"5\",\"image_size\":\"original\",\"placement\":\"off\",\"image_scale\":\"no-image-scale\",\"overlay\":\"off\",\"overlay_icon\":\"off\",\"overlay_icon_reveal\":\"df-fade-up\",\"overlay_font_icon\":\"%%16%%\",\"custom_text\":\"\",\"custom_field\":\"\",\"use_custom_field\":\"off\",\"before_tax\":\"\",\"separator_tax\":\", \",\"after_tax\":\"\",\"taxonomy\":\"select_tax\",\"background_enable_mask_style\":\"off\",\"background_enable_pattern_style\":\"off\",\"reading_time_before_label\":\"\",\"reading_time_after_label\":\"\"}],\"df_cpt_items_outside\":null,\"loader\":{\"status\":\"off\",\"color\":\"#284cc1\",\"size\":\"10px\",\"type\":\"classic\",\"background\":\"#ADD8E6\",\"alignment\":\"center\",\"margin\":[\"\"]}}'><div class=\"df-cpts-wrap layout-masonry\">                <article id=\"post-297099\" class=\"df-cpt-item v2 post-297099 sbh type-sbh status-publish format-standard has-post-thumbnail hentry sbh_category-business-financing\"\t\t                            >\n                    <div class=\"df-cpt-outer-wrap df-hover-trigger\" style=\"background-image:url(https:\/\/www.reckon.com\/nz\/wp-content\/uploads\/2026\/01\/Small-Business-Loans-Header.png.webp);\n                background-size: cover;\n                background-repeat: no-repeat;\n                background-position: center;\n                background-origin: border-box;\">\n                                                <div class=\"df-cpt-inner-wrap\">\n                            <div class=\"df-item-wrap df-cpt-image-wrap difl_cptitem_0 \">\n                    \n                    <a class=\"df-hover-effect no-image-scale\" href=\"https:\/\/www.reckon.com\/nz\/small-business-resources\/business-financing\/business-loans\/\"><img decoding=\"async\" width=\"1200\" height=\"409\" src=\"https:\/\/www.reckon.com\/nz\/wp-content\/uploads\/2026\/01\/Small-Business-Loans-Header.png.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" loading=\"lazy\" \/><\/a>\n                <\/div>                        <\/div>\n                    <\/div>\n                <\/article>\n                <\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>Download your free financial guideFinancial guideGet a handle [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":0,"parent":539,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"difl_page_category":[],"class_list":["post-249561","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Business Financing Guide | Small Business Guides | Reckon NZ<\/title>\n<meta name=\"description\" content=\"Are you starting or expending your new business? 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