Raising Business Finance in 2019 – What Are Your Options?

2018 has been far from a year of economic stability and normality. At this festive time of year, many business owners take the chance to mull over 2019, plan strategies, and think about strategies for their businesses in 2019. Often this may involve expansion overseas, taking stock of assets and whether there’s a need to buy more machinery or equipment, or even launching a whole new product, brand or service. For all scenarios, kick-starting new businesses or optimising cash flow will often require external finance. It’s important to ensure you have a plan in place to help internally and externally sell your idea. TFG put together some key considerations and tips for raising finance in 2019.

If you’re already working on your startup ideas and looking for funding, here are some considerations:

Hedge your currency

2018 showed extreme volatility in currency markets, which is hugely risky for the P&L of any business trading overseas, or on thin margins. And there’s no sign of this stopping. Protecting these adverse currency swings can not only help increase the profitability of a transaction but also have some certainty in future cashflow, despite adverse currency movements which are outside of your control. Receiving money from a different currency is no longer a problem since you’ll have access to the best aud to usd converter online and any other currencies.

Explore Equity Finance

There are numerous sources of equity so you can consider one source as per your convenience:

Angel investors are people willing to lend you money for your startup. If you have affluent individuals in your circle or you have friends who know a couple of investors then you may want to reach out to them. These angel investors may want an ownership share on the business or will set a reasonable time to get the returns of their investment.

What do you need to do?

  • Attend events where you can meet these investors
  • Prepare a business plan to pitch
  • Be confident in pitching your idea

Don’t put your eggs in one basket

Business finance should always be addressed with a ‘mix and match’ approach. Whether looking for debt-based finance (e.g. structured finance, factoring and discounting, trade credits or hire purchase agreements etc.) or equity finance (VC, private equity, crowdfunding etc.), it’s important to try and explore all options, and not necessarily rely on one source of funding.

Some of the most successful companies have numerous participation banks on the debt side and are often initially backed by a series of angel investors, seed and venture capitalists.

If you’re getting debt, know the cost of capital

Debt is the act of borrowing money from an individual, entities, or organizations. For small businesses, loans or debt instruments can be obtained from a number of institutions and sources like a bank, non-bank, alternative financier or institution. Your credit rating is vital in getting a loan from many of these providers, but it’s also important to remember that different lenders take a different risk, so being refused credit isn’t the be all and end all. Make sure that you have already started building a good credit standing to apply for a bank loan for your business or new venture.

These are some steps you may take in getting a bank loan:

  • Check the loan offers of different banks
  • Decide which loan type you’d like to avail
  • Carefully analyse your future cash flow if you can easily make repayments per the agreement
  • Get the form correctly filled out


Look up websites that are an avenue for crowdfunding and present your idea. The possibilities are low but imagine getting a lot of people to hear out your plan with minimal effort. It may not be the fastest, but the number of those that have tried and succeeded shows just how effective it is as a means of generating funds.