Hi there – right now, the ‘only grants going’ other than what you have talked about (IRD cash flow loans, Bank loans) are Grants where you have R&D projects which Callaghan Innovation fund or Capability Grants for services/courses for you to attend which NZTE fund – yes there is opportunity for investment, but that is quite defined through angel investors who are looking for specific types of businesses which you may or may not fit.
There are other aspects like ‘competitions’ or ‘awards’ – like SheEO or Local Community Awards through Rotary – and they are time based e.g. you need to be in the right place at the right time.
What other options? Can you factor your Accounts Receivable? Could you use pay early services like https://www.relay.ai/ where you accept a discount to get paid early? You could just negotiate with your customers to get paid early and/or negotiate with suppliers for latter payment – I know that can be hard – but if they understand it is in their interest to support you and your growth?
All the best – Andy