Funding Capital Growth

Capital growth is an essential component of business expansion and success.  However, to achieve it, businesses require a significant amount of funding.  There are various options for funding capital growth, each with advantages and disadvantages.  We’re going to consider the most common options available.

Traditional Bank Loans

The most common option for funding capital growth is a traditional bank loan.  Banks are generally willing to lend money to businesses with a solid business plan, a good credit history, and a proven track record of profitability.  Bank loans often come with lower interest rates than other forms of financing, making them an attractive option for businesses.

However, traditional bank loans can be challenging to obtain, particularly in the current climate and especially for new businesses or those with poor credit histories.  The application process can be lengthy, and receiving funding can take several weeks or even months.  Additionally, banks often require collateral for their loans, which can be challenging for businesses that don’t have significant assets.


Crowdfunding is a relatively new option for businesses looking to fund capital growth.  It involves soliciting small investments from many people through online platforms.  Crowdfunding can be an effective way to raise funds quickly and help businesses build a community of supporters.

Crowdfunding can be challenging to execute successfully.  It requires significant marketing and promotion to generate interest in a project, and not all projects will be successful.  Additionally, most crowdfunding platforms charge fees, which can eat into the funds raised.

Angel Investors

Angel investors are high-net-worth individuals who fund businesses in exchange for equity in the company.  Angel investors can provide a significant amount of funding quickly, and they often have industry experience and connections that can be valuable to a growing business.

However, angel investors typically expect a high return on their investment, and they may have significant control over the business’s operations.  Finding the right angel investor can be challenging, and securing funding can be time-consuming.

Venture Capitalists

Venture capitalists provide funding to businesses in exchange for equity in the company.  Venture capitalists typically invest in high-growth startups that have the potential to become large, profitable companies.  Venture capitalists can provide significant amounts of funding and often have experience and connections that can help a business grow.

Like angel investors, venture capitalists typically expect a high return on their investment, and they may have significant control over the business’s operations.  Additionally, securing funding from venture capitalists can be challenging, and the process can be time-consuming.

Alternative Lenders

Alternative Lenders are non-bank lenders that provide funding to businesses such as Bartercard.  Upon joining Bartercard, you are automatically granted a $5,000 Advance on Trade Dollar Sales, which can be increased to $25,000 depending on your circumstances.  Advances up to and including T$500,000 are subject to lending criteria.

Maximising the benefits of your Advance

Bartercard’s Advance on Trade Dollar Sales enables many members to cover the initial costs of starting a business or invest in revenue-generating expenses such as marketing and advertising, interior fit-outs, equipment, larger premises, and additional storage space through the cashless Bartercard ecosystem.

Offered as an alternative currency to cash, an Advance on Trade Dollar Sales comes without the interest rates that come with a business bank loan.  Instead, it is repaid by selling your products and services through the Bartercard community.

Whether you want to start your own business or take your existing one to the next level, Bartercard can provide the necessary funding for capital growth.  It is a smart solution for any business.

Business success

Funding capital growth is essential to business success, and many options are available to businesses.  It’s vital to consider all factors when seeking funding for your business.  We suggest you discuss your requirements with a qualified financial advisor to see what’s a good fit for your specific needs.


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