Skip to main contentSkip to log on

Financing your business

Funding types include loans, asset finance and seeking investors - here’s how to choose what works for your business, whether your goal is to grow, buy equipment, or purchase new premises.

How to fund your business

Starting or growing your business often needs an injection of capital – but if you can’t raise it yourself, you’ll need to explore other sources. This article looks at the options for funding your business and how to increase your chances of success.

How to fund your business

Also in this section

Calculate how much money you need

To work out how much money you’ll need to start your business, calculate your start-up costs (one-off expenses to get set up) and how much working capital you’ll need to pay for regular ongoing costs.

Calculate how much money you need

How to apply for a business loan

Whether you’re starting up a new business, looking to expand your existing one, or buying a business, you may need business finance to achieve your goal.

How to apply for a business loan

Asset and equipment finance – what you need to know

If you’re looking to buy a large piece of equipment but don’t want to max out your lending limits, asset finance may be an option for you. We break it down.

Asset and equipment finance

Is it better to own or lease equipment?

A shiny new piece of equipment comes with a price tag – so should you buy it, or not? This guide weighs up the costs of buying outright versus leasing, to help you explore your options.

Is it better to own or lease equipment?

Bank loan versus leasing assets

If you don’t have the cash for a much-needed piece of equipment, should you lease it for your business or is it better to buy it with a bank loan instead? We compare the two options.

Bank loan versus leasing assets

Pros and cons of owning your business premises

Being your own landlord – as well as your own boss – can be rewarding. Owning your own premises is a big undertaking, so here are some things to weigh up.

Pros and cons of owning your business premises

Related articles

Sustainability in business

As climate change drives a shift in how business is done, and targets and requirements are put in place in response, we support you by providing insights and resources on emissions strategies and business sustainability.

Sustainability in business

Melba Café: How to finance your growth

From Auckland CBD institution to hospitality empire, for Shawn Pope and wife Michelle, growth is always on the cards – thanks to their close relationship with their bank.

Melba Café: How to finance your growth

Flexible borrowing options

Whether you need short or long-term finance, we’ve got a flexible range of borrowing options for your business.

Borrowing options