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Reply To: Hi there,We are a collaborative design business just starting up, called Ember-Ruby Design service. We are in need of some advice, as we need to purchase ArchiCAD 2021 to start our first job that we have been contracted, (we had the earlier version of this software but it is no longer compatible) This software is expensive an upfront cost of $10,700 and because we haven’t traded before we don’t know how we would be able to get a loan or grant to help us. Any advice would be very appreciative as we really don’t want to turn this job down. Kindest regards, Calit 

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Kia ora Calit,
Congratulations on getting that first project. I like Andy’s idea of borrowing the tools to start with if you can. Alternatively, assuming the project you’ve landed is worth a fair whack, and assuming you have billing terms – something like, e.g. 20% deposit, 50% stage payment, 30% final payment, can you then get a Purchase Order from your customer and then show this to your bank to get a short term loan?
-Peter