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Understand export finance

Last updated 13 May 2021

As an exporter you may need finance to:

  • pay for resources to fulfil an order
  • fill the gap between delivering a good or service and being paid for it
  • tender for a large project
  • market your product or service
  • visit overseas markets
  • research and development (R&D) to make your product suitable for export

There are many financial products available to raise money to export. The right financial product will depend on what it’s for and the size and stage of your business. You can either borrow money or get someone to invest in your business (also known as raising equity).


Options for borrowing include:

  • bank loans
  • export finance
  • alternative finance platforms
  • peer to peer finance
  • asset-based lending

If you borrow money you keep full control of the business as long as you make the loan repayments. You should factor debt repayments into your finance strategy.

Raising equity

Equity could be a good option if you don’t have the credit history to borrow through other means.

A person or company may invest in your business for a share of the profits. This is called equity finance and can include:

  • venture capital
  • a business angel
  • an initial public offering (IPO)

Equity investment is usually sought by businesses that want to grow quickly. The investor will:

  • want a share of the business
  • want some control or input into the business
  • often bring useful knowledge, contacts and expertise

Your bank or financial advisor should be able to help with questions about finance.

Read more on how to get export finance.