Quick comparison
| Route | Best for | Main warning |
|---|---|---|
| Grant | Defined project with programme fit and co-funding capacity | Not free money; criteria and matched funding matter |
| RDTI | Eligible R&D activity with evidence and expenditure | Routine development may not qualify |
| Capital | Growth, runway, market expansion or venture-scale funding | Dilution, governance and investor readiness matter |
| Bank/asset finance | Equipment, plant, vehicles, working capital or productive assets | Refollow-up capacity and security matter |
When to check grants first
Check grants first where there is a defined project, a current official programme, matched funding capacity and evidence that the activity fits the criteria.
When to check RDTI first
Check RDTI where the business is undertaking technical or scientific R&D activity, has eligible expenditure and can keep clear records.
When capital may be the real issue
Capital may be more relevant where the need is runway, hiring, inventory, sales execution, offshore setup, product certification or broader growth funding.
Official sources to check
Sources and review status
Last reviewed: June 2026.
Official sources checked: IRD, MBIE, business.govt.nz, NZTE, NZGCP, EECA and MPI, as relevant.
NZ Funding Pathways is a free resource funded by PH Capital Advisory.
General information only. Check the current official source and speak with the relevant adviser before acting.
This page provides general information only. It does not provide tax, accounting, legal, financial, investment or eligibility advice, and it does not guarantee funding.