A business loan is often seen as the most straightforward form of finance for businesses. Banks and alternative funders often agree cash loans to businesses where repayment is in the form of the amount borrowed plus interest. Business loans can be secured (to guarantee repayment in case of failure to pay the lender the amount borrowed) or unsecured.

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Equity investment is often seen as a difficult and rather complicated type of funding for businesses to obtain. Investors (including venture capital firms, private equity houses and angel/ seed funders) put cash into a business in return for a percentage stake in the business. Generally speaking, equity investors will often recoup their money when they sell their shares at a later stage (for a significant return on their initial investment), or more commonly, when the business is sold in the future.

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Asset finance is a type of debt (or loan). Often businesses need to purchase expensive assets, which could be anything ranging from cruise ships to chemical manufacturing equipment. Asset finance can either involve a funder purchasing the equipment and loaning it out to a business for an agreed length of time, or agreeing a repayment plan which allows the business to own the asset afterwards (a bit like a fixed mobile phone contract).

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Invoice finance takes the stress out of chasing invoice payments from buyers, clients and importers, as well as preventing cash flow or working capital strains. Invoice finance (also known as export factoring) involves a financier providing funds against invoices or accounts receivable (usually around 80-90% of the actual value).

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