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TL;DR: Small businesses across Australia and New Zealand face common cash flow challenges. This guide provides practical advice to help you manage your business finances more effectively.

Finance for small businesses is hard! We’ve listed and compared the options so you can make the right decision.

Most SMEs come to a point at which they need some kind of financing. This might happen in the very initial stages of business, six months down the track, or for day-to-day management of cash flow. Whatever the field you’re in and the size of your business, extra funding can be required to fuel growth or navigate hurdles smoothly.

If you’re approaching such a time, this is the resource for you. In this guide we’re comparing the seven most popular kinds of SME financing options.

Looking For Finance? Click here to signup & claim the Small Business Accountants (SBA) $100 Credit.

Related Resources

Frequently Asked Questions

How can Fundtap help my business?

Fundtap provides on-demand invoice finance for AU and NZ SMEs. Select an invoice and get funded within hours — no lock-in, fees from 4%.

Is Fundtap available in Australia and New Zealand?

Yes. Fundtap serves businesses across both countries, integrating with Xero, MYOB, and QuickBooks.

How fast can I get funded?

Most businesses receive funds within hours. Once set up, funding is typically same-day.

Signup in minutes to unlock your cashflow.

FundTap provides invoice finance for small businesses in Australia and New Zealand. Australia: +61 1800 595 505 New Zealand: +64 800 88 33 55 Email: info@fundtap.co Address: 255 Hardy Street, Nelson 7010, New Zealand ABN: 47914654579 NZBN: 9429031726887