{"id":281817,"date":"2024-10-08T11:20:47","date_gmt":"2024-10-07T23:20:47","guid":{"rendered":"https:\/\/www.reckon.com\/nz\/?post_type=sbh&#038;p=281817"},"modified":"2025-01-30T18:00:17","modified_gmt":"2025-01-30T06:00:17","slug":"small-business-financing","status":"publish","type":"sbh","link":"https:\/\/www.reckon.com\/nz\/small-business-resources\/business-financing\/small-business-financing\/","title":{"rendered":"Small businesss financing"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.23&#8243; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_3,2_3&#8243; _builder_version=&#8221;4.23&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; module_class=&#8221;table-contents&#8221; _builder_version=&#8221;4.23&#8243; background_color=&#8221;#f4f4f4&#8243; custom_padding=&#8221;25px||25px||true|false&#8221; sticky_position=&#8221;top&#8221; sticky_limit_bottom=&#8221;section&#8221; sticky_position_tablet=&#8221;top&#8221; sticky_position_phone=&#8221;none&#8221; sticky_position_last_edited=&#8221;on|desktop&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; border_radii=&#8221;on|24px|24px|24px|24px&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.23&#8243; text_font=&#8221;||||||||&#8221; global_colors_info=&#8221;{}&#8221; background__hover_enabled=&#8221;on|desktop&#8221;][\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; pac_dcm_carousel_specific_module_num=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Copy paste body text here&#8221; _builder_version=&#8221;4.27.4&#8243; header_2_font_size=&#8221;32px&#8221; hover_enabled=&#8221;0&#8243; header_2_font_size_tablet=&#8221;30px&#8221; header_2_font_size_phone=&#8221;26px&#8221; header_2_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span style=\"font-weight: 400;\">Are you about to float a new business idea in New Zealand but haven\u2019t committed to a small business financing option? Or you have a thriving business, but require a short-term injection of capital to finance your SME\u2019s business growth?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before you take out a regular small business loan, it\u2019s prudent to consider some lesser known and seldom considered methods to finance your SME.<\/span><\/p>\n<h2><b>What is an SME?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">An SME, or <\/span><i><span style=\"font-weight: 400;\">small-to-medium enterprise<\/span><\/i><span style=\"font-weight: 400;\">, is an all-encompassing term that\u2019s used to describe both small and medium businesses.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">How do we define \u2018small\u2019 and \u2018medium\u2019 businesses respectively?\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A <\/span><i><span style=\"font-weight: 400;\">small business<\/span><\/i><span style=\"font-weight: 400;\"> is generally understood to be an enterprise which employs less than 20 people.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A <\/span><i><span style=\"font-weight: 400;\">medium business<\/span><\/i><span style=\"font-weight: 400;\"> is generally defined as an enterprise which employs between 20 and 100 people.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">According to the New Zealand Ministry of Foreign Affairs and Trade (<\/span><a href=\"https:\/\/www.mfat.govt.nz\/vn\/trade\/free-trade-agreements\/free-trade-agreements-in-force\/comprehensive-and-progressive-agreement-for-trans-pacific-partnership-cptpp\/supporting-smes\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">MFAT<\/span><\/a><span style=\"font-weight: 400;\">), SMEs contribute significantly to the New Zealand economy. In fact, SMEs:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">represent 97% of all New Zealand businesses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">employ over 630,000 New Zealanders, making up 29% of all New Zealand employees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">generate 28% of New Zealand\u2019s GDP<\/span><\/li>\n<\/ul>\n<h2><b>What are small businesses\u2019 best financing options?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The best small business financing option will always be defined by the most suitable and available option. Personal circumstances will dictate not only what suits you best, but what\u2019s feasibly accessible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are three major categories of business financing:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debt financing, such as bank loans, credit cards and short-term loans.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal financing, such as your own savings or a personal arrangement with friends and family.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equity financing, such as investors, venture capitalists and shareholders.<\/span><\/li>\n<\/ul>\n<p><i><span style=\"font-weight: 400;\">For a full run down on small business funding options, see our article <\/span><\/i><a href=\"https:\/\/www.reckon.com\/nz\/small-business-resources\/business-financing\/types-of-business-funding\/\"><i><span style=\"font-weight: 400;\">here<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">.<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s step away from the most obvious avenues for a moment and scrutinise several lesser-known small business and SME financing options to better determine their suitability (or lack thereof).<\/span><\/p>\n<h3><b>Short-term loans<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Short term loans are an attractive cash flow boosting option, especially for established businesses with a good trading history.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A short-term loan, as opposed to a longer-term <\/span><a href=\"https:\/\/www.reckon.com\/nz\/small-business-resources\/starting-a-small-business\/business-loans\/\"><span style=\"font-weight: 400;\">business loan<\/span><\/a><span style=\"font-weight: 400;\">, is usually used as a stop gap solution to cash flow shortages.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have a dependable business opportunity that requires capital, yet you don\u2019t have access to the necessary funds, a short-term loan could be a perfect fit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s say you require a large stock order due to high demand. If you\u2019re sure of selling this stock for profit and simply need the cash upfront to cover the order, a short-term loan is a suitable option. In this way, such loans can help with cash flow management when important purchases arise.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Better yet, many short-term loan products don\u2019t require assets for security. The usual stipulation is a demonstratable history of trade and a decent turnover. Check out <\/span><a href=\"https:\/\/www.reckon.com\/nz\/business-loans\/\"><span style=\"font-weight: 400;\">Reckon Loans<\/span><\/a><span style=\"font-weight: 400;\"> if you\u2019d like to learn more about short-term loans.<\/span><\/p>\n<h3><strong>Crowdfunding<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Crowdfunding is a relative newcomer to the world of business financing. While it remains abstract to many New Zealand SMEs, it\u2019s worth considering this novel financing option.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are several platforms and services now in existence which act to connect a small business with a host of micro investors or donors. As opposed to angel investors, crowdfunding sees the general community offering donations in exchange for equity, rewards, or simply to support your business idea.\u00a0<\/span><\/p>\n<h3><b>Angel investors<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The aptly named \u2018angel investor\u2019 is an individual (or group of individuals) who\u2019ll swoop in with a bag of cash to invest in your business. An angel investor will grant you equity funding on the strength of your articulated opportunity and business model.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">An angel investor is often difficult to court and even more difficult to land, however the advantages of bringing them aboard can be enormous.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To land one, you\u2019ll have to have an extremely robust and well-developed business plan. Within this proposal, you\u2019ll need to detail a clear pathway to profitability and convince your intended angel of the benefits of parting with their capital.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This can be particularly tricky and requires an inspired idea, a receptive market, and a deep understanding of how and when you\u2019ll reach profit and growth stages.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On top of providing the necessary injection of funding, an angel investor will often bring a raft of experience and business contacts to the table, adding further value to their presence. In return, of course, they\u2019ll require a sizeable portion of equity and control over your business, lowering your share.<\/span><\/p>\n<h3><b>Accounts receivable financing<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Accounts receivable financing (sometimes known as invoice funding) is a lesser known, yet highly attractive form of funding which neatly capitalises on your accounts receivable ledger.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you have unpaid invoices on your books, you can receive funding from lenders, leveraged against the value of these unpaid debt assets.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When your customers eventually settle the outstanding invoices that are languishing in your <\/span><a href=\"https:\/\/www.reckon.com\/nz\/small-business-resources\/financial-information\/what-is-accounts-receivable\/\"><span style=\"font-weight: 400;\">accounts receivable<\/span><\/a><span style=\"font-weight: 400;\">, you then pay the loan back, with interest or fees attached.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This option is a fantastic way to shore up cashflow holes and transform your unpaid debt into a valuable asset.<\/span><\/p>\n<h3><b>Business credit cards<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Business credit cards are a viable but less than ideal option for financing your SME. Credit cards famously go hand-in-hand with higher interest rates, compounding interest, and lower limits. As such, it\u2019s unlikely you\u2019d choose to fund the bulk of your venture with one.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This doesn\u2019t mean business credit cards are without purpose. In the same way you can use a short-term loan to patch a temporary hole in your cash flow, so too can you use a credit card.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many businesses will use one to make smaller purchases, to be paid back swiftly before interest charges mount. If you\u2019re sure of your ability to keep business credit cards paid up, and can avoid the dreaded compound interest trap, they certainly have their place.<\/span><\/p>\n<h3><b>Equipment financing<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If you require certain equipment or vehicles to run your operations, equipment financing is often a far better alternative than a regular business loan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Businesses can usually receive a loan for the entire cost of the equipment, without the need for a deposit or security. Depending on the loan you choose, most equipment financing products will use the asset itself as security.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another advantage to equipment financing can be found in the associated tax benefits. Providing you use the equipment or vehicle as a key part of your business, you can claim a deduction for depreciation and loan interest to further reduce your taxable income with the IRD.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If owning the asset isn\u2019t necessary, you can also choose to lease equipment, similarly freeing up any cash reserves to be put to use in growing your business.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">This concludes our guide to lesser-known small business financing options. Before you commit yourself or your SME to a particular financing opportunity, be sure to thoroughly weigh-up your options and consult with a business advisor or accountant before you put pen to paper.<\/span><\/i><\/p>\n<p>[\/et_pb_text][ba_social_share icon_bg=&#8221;#03002e&#8221; icon_padding=&#8221;10px|12px|10px|12px|true|true&#8221; layout=&#8221;classic&#8221; show_text=&#8221;off&#8221; btn_padding=&#8221;0px|0px|0px|0px|false|false&#8221; btn_bg_color=&#8221;RGBA(255,255,255,0)&#8221; _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;50px||||false|false&#8221; custom_padding=&#8221;25px||||false|false&#8221; custom_css_before=&#8221;    content: %22SHARE THIS%22;||    font-size: 16px;||    font-weight: 700;||    line-height: 22px;||    letter-spacing: 0em;||    text-align: center;||    color: #ff5447;||    margin-bottom: 10px;||    display: inline-flex;||    position: absolute;||    margin-top: 10px;&#8221; border_width_top_main=&#8221;1px&#8221; border_color_top_main=&#8221;#e4e4e4&#8243; border_radii_icon=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221; custom_css_before_last_edited=&#8221;off|desktop&#8221;][ba_social_share_child _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/ba_social_share_child][ba_social_share_child network_type=&#8221;facebook&#8221; _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/ba_social_share_child][ba_social_share_child network_type=&#8221;linkedin&#8221; _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/ba_social_share_child][ba_social_share_child network_type=&#8221;email&#8221; _builder_version=&#8221;4.23&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/ba_social_share_child][\/ba_social_share][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Financing a new business? It can be difficult to know where to start. Find out more on what financing options are right for your new business.<\/p>\n","protected":false},"author":6,"featured_media":272883,"menu_order":0,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"sbh_category":[114],"class_list":["post-281817","sbh","type-sbh","status-publish","format-standard","has-post-thumbnail","hentry","sbh_category-business-financing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Small business financing | Small Business Resources | Reckon NZ<\/title>\n<meta name=\"description\" content=\"Financing a new business? It can be difficult to know where to start. 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