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The Funding Cycle

Published on: 5/8/2024 12:00:00 PM

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Understand the Funding Cycle

Businesses need to consistently evaluate where their business is at, what finance options are available and how it can support their needs. Here, we provide a high level overview of what to consider.

What stage is your business at?

  • Pre-start – unregistered
  • Pre-trading/pre-profit – registered
  • Start-up: Profitable and growing (0-3 years)
  • Established and growing (3+ years)
  • Established and stable (3+ years)
  • Established but stressed (3+ years)

What are the key priorities, challenges and opportunities facing your business?

  • Initial funding
  • Innovate new product/service/brand
  • Sales growth
  • Expand into new markets
  • Expand internationally
  • Invest in property
  • purchase/development
  • Refinance/reduce cost of borrowing
  • Capital restructuring
  • Improve cash position
  • Acquisition plans

What finance options have you considered?

What debt options are available?

  • Start-up loan
  • Overdraft
  • Bank loan/bond
  • Peer-to-peer lending
  • Asset-based finance
  • Leasing or hire purchase
  • Export or trade finance
  • Growth finance

What equity options are available?

  • Seed finance
  • Angel finance
  • Equity crowdfunding
  • Venture capital
  • Corporate venture capital
  • Private equity

What option do you take? And what does your business look like with the chosen finance in place?

Download our “Funding Cycle Infographic"