Most discussions about startup financing treat the question as binary. Loan or no loan.

That is the wrong frame. Funding a new business involves several different paths. The right one depends on where the business is today, what the capital is for, and what the founder brings to the assessment.

This article covers the full range of options for financing a business start up in Australia, what each one requires to access, and how to think about sequencing them. See also: Startup Loans for Small Businesses in Australia