{"id":7783,"date":"2023-01-02T08:46:27","date_gmt":"2023-01-02T08:46:27","guid":{"rendered":"https:\/\/grow.ee\/?p=7783"},"modified":"2024-05-28T13:07:09","modified_gmt":"2024-05-28T10:07:09","slug":"how-to-finance-a-business","status":"publish","type":"post","link":"https:\/\/grow.ee\/en\/kuidas-rahastada-ettevotet\/","title":{"rendered":"How to finance your business?"},"content":{"rendered":"<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_1992607203\">\n\t\t\t\t\t\t\t\t<div class=\"img-inner image-cover dark\" style=\"padding-top:56.25%;\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"856\" src=\"https:\/\/grow.ee\/wp-content\/uploads\/2022\/12\/analyzing-g3bda3d241_1280-1.jpg\" class=\"attachment-original size-original\" alt=\"Business financing\" srcset=\"https:\/\/grow.ee\/wp-content\/uploads\/2022\/12\/analyzing-g3bda3d241_1280-1.jpg 1280w, https:\/\/grow.ee\/wp-content\/uploads\/2022\/12\/analyzing-g3bda3d241_1280-1-300x200.jpg 300w, https:\/\/grow.ee\/wp-content\/uploads\/2022\/12\/analyzing-g3bda3d241_1280-1-720x482.jpg 720w, https:\/\/grow.ee\/wp-content\/uploads\/2022\/12\/analyzing-g3bda3d241_1280-1-768x514.jpg 768w, https:\/\/grow.ee\/wp-content\/uploads\/2022\/12\/analyzing-g3bda3d241_1280-1-360x240.jpg 360w, https:\/\/grow.ee\/wp-content\/uploads\/2022\/12\/analyzing-g3bda3d241_1280-1-800x535.jpg 800w, https:\/\/grow.ee\/wp-content\/uploads\/2022\/12\/analyzing-g3bda3d241_1280-1-150x100.jpg 150w, https:\/\/grow.ee\/wp-content\/uploads\/2022\/12\/analyzing-g3bda3d241_1280-1-600x400.jpg 600w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n<style>\n#image_1992607203 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>\n\t\n\n\t<div id=\"gap-903377830\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-903377830 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n\n<p><strong>Whether the company is just starting up or already medium-sized, capital is needed to grow. It is not always possible or economically reasonable to finance growth from the company&#039;s business activities, and external financing options must be used.<\/strong><\/p>\n<p><b>Sources of capital can be, for example:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">bank financing,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">attracting investors,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">support measures and financing programs,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">crowdfunding platforms and others.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Before approaching a bank or a foreign investor, it is important to establish a plan and think through <strong>which type of capital suits your company better<\/strong>. Factors such as amount of money needed, period, repayment schedule, willingness to sell share, provision of collateral etc. must be taken into account.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is necessary to start the process of raising capital <strong>understand different types of capital <\/strong><\/span><b>peculiarities<\/b><span style=\"font-weight: 400;\">, to find the most suitable capital structure. We introduce three different funding strategies \u2013<\/span><b> selling share, borrowing and subsidies<\/b><span style=\"font-weight: 400;\"> and their peculiarities. We&#039;ll also explain how Grow can help in the process. <\/span><b>Let&#039;s begin!<\/b><\/p>\n<h2 style=\"text-align: center;\"><strong>Debt capital<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Debt capital is the most easily understood form of capital \u2013 <\/span><b>loan<\/b><span style=\"font-weight: 400;\"> perhaps <\/span><b>money from an external source<\/b><span style=\"font-weight: 400;\">, which the company uses to finance business operations. The company owes money to the lender and must pay it back later. Sources of debt capital can be, for example <\/span><b>bank loan, bonds <\/b><span style=\"font-weight: 400;\">and <\/span><b>crowdfunding<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2 style=\"text-align: center;\"><strong>Bank loan<\/strong><\/h2>\n<p><strong>In the case of a bank loan, the bank gives money to the company and the company promises to pay it back with interest later.<\/strong><\/p>\n<p><b>Short term<\/b><span style=\"font-weight: 400;\"> the loan is useful for day-to-day operations such as deliveries, inventory management and salaries and is usually repaid within a year. <strong>Startups<\/strong> temporary financial problems are completely normal, and a short-term loan is a very good solution for them.<\/span><\/p>\n<p><b>Long term<\/b><span style=\"font-weight: 400;\"> A loan is often used to purchase business assets such as land, equipment or buildings. A long-term loan can take up to 10 years to repay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The loan can be given both with and without collateral. <strong>With a guarantee<\/strong> the advantage of the loan is that their interest rates are often <\/span><b>cheaper<\/b><span style=\"font-weight: 400;\">. Therefore, it is reasonable to investigate whether the company has vacant properties, i.e. real estate, equipment or means of transport that could be used as collateral. Guaranteeing is also a type of guarantee.<\/span><\/p>\n<h2 style=\"text-align: center;\"><strong>Bond<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">A bond is similar to a loan <\/span><b>someone else&#039;s money that is paid back with interest<\/b><span style=\"font-weight: 400;\">. Bonds have an expiration date, and before that expires, the company must repay the bondholder <\/span><b>loan with interest payment<\/b><span style=\"font-weight: 400;\">. A bond is generally more expensive than a bank loan, but it is more flexible in terms of other terms.\u00a0<\/span><\/p>\n<h3 style=\"padding-left: 40px; text-align: left;\"><strong><span style=\"color: #339966;\">Advantages of debt capital<\/span><\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Unlike equity, where investors own shares in the company, with debt capital, you own the company <\/span><b>sole proprietor<\/b><span style=\"font-weight: 400;\">. If the debt is paid, then there is responsibility for the company&#039;s activities <\/span><b>to report<\/b><span style=\"font-weight: 400;\"> finished.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If the company becomes very successful and makes colossal profits, it does not have to be shared with investors and the profits remain <\/span><b>for in-house<\/b><span style=\"font-weight: 400;\"> for use.\u00a0<\/span><\/p>\n<h3 style=\"padding-left: 40px; text-align: left;\"><strong><span style=\"color: #ff0000;\">Disadvantages of debt capital<\/span><\/strong><\/h3>\n<p><b>All company assets are at risk<\/b><span style=\"font-weight: 400;\">. If you get into trouble with your repayments, the borrower has the option to ask for your financing back <\/span><b>guarantee<\/b><span style=\"font-weight: 400;\"> on the face. Also the responsible person, or mostly the owner of the company <\/span><b>wealth and prosperity<\/b><span style=\"font-weight: 400;\"> is at risk in this case.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When taking a loan, it is worth considering the debts in advance <\/span><b>effect<\/b><span style=\"font-weight: 400;\"> to the company, for example, whether the company has <\/span><b>enough finance repayments<\/b><span style=\"font-weight: 400;\"> for. It is also worth considering how costs can be reduced so that the loan amount is smaller.<\/span><\/p>\n<h2 style=\"text-align: center;\"><strong>Equity<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">With equity financing, the company raises money by selling to others <\/span><b>pieces of the company&#039;s holdings.<\/b><span style=\"font-weight: 400;\"> The main equity financiers are angel investors and venture capitalists (<\/span><i><span style=\"font-weight: 400;\">venture capitalist<\/span><\/i><span style=\"font-weight: 400;\">).\u00a0<\/span><\/p>\n<p><b>Angel investor<\/b><span style=\"font-weight: 400;\"> is a person who provides capital to a company and receives a share of the company in return. Generally, they invest when they realize that the startup has potential and the money they contribute will grow with the company. Angel investors are very popular among startups and start-ups to get capital to grow their business.<\/span><\/p>\n<p><b>Venture capitalists<\/b><span style=\"font-weight: 400;\"> are corporate investors who invest less often and with larger capital. Investments are made in already established companies, and venture capitalists take a more active role, which also means greater demands from them. At the same time, the company can gain valuable contacts and knowledge in the development of the company.\u00a0<\/span><\/p>\n<h3 style=\"text-align: left; padding-left: 40px;\"><strong><span style=\"color: #339966;\">Advantages of Equity<\/span><\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Since shares of the company are sold instead of borrowing money, there is no capital <\/span><b>repayment obligation<\/b><span style=\"font-weight: 400;\">. In addition, investors themselves have to consider the risk that the company may go bankrupt. At an early stage, it is usually easier to raise capital through the sale of a stake. With the help of investors, the company can also gather valuable knowledge, experience and contacts.<\/span><\/p>\n<h3 style=\"text-align: left; padding-left: 40px;\"><strong><span style=\"color: #ff0000;\">Deficiencies in equity<\/span><\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">By splitting up pieces of your company, you are no longer the sole owner of the company. If the terms of ownership are not precisely defined, all business owners, both large and small, may expect different solutions <\/span><b>to problems<\/b><span style=\"font-weight: 400;\">. With debt capital, such a problem cannot arise, because you retain all the ownership rights.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A company that is too small or with little potential will not catch the eye of investors, because investors are interested in ambitious companies with which it is possible <\/span><b>to earn money.<\/b><span style=\"font-weight: 400;\"> Only about 80% small businesses survive the first year, and after 5 years that number drops to 50%. Investors take this into account and <\/span><b>weigh<\/b><span style=\"font-weight: 400;\"> your decision thoroughly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If investors refuse to support it can have quite an effect <\/span><b>unmotivatingly<\/b><span style=\"font-weight: 400;\">. However, the refusal of one investor does not mean that it is necessarily a bad business idea, and it is worth trying other options for attracting capital.<\/span><\/p>\n<h2 style=\"text-align: center;\"><strong>Crowdfunding perhaps <i>crowdfunding<\/i><\/strong><\/h2>\n<p><b>Co-financing<\/b><span style=\"font-weight: 400;\">, which may be the case <\/span><b>equity capital rather than debt capital,<\/b><span style=\"font-weight: 400;\"> has become increasingly popular over the past decade. Crowdfunding is <\/span><b>accumulation of money in small amounts<\/b><span style=\"font-weight: 400;\"> both from companies and individuals. For this purpose, there are also various crowdfunding platforms on the Internet, such as, for example <\/span><a href=\"https:\/\/www.funderbeam.com\/\"><span style=\"font-weight: 400;\">Funderbeam<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><b>Loan-based crowdfunding <\/b><span style=\"font-weight: 400;\">in this case, persons who want to take a loan are brought together with those who are ready to give it. <\/span><b>On an investment basis <\/b><span style=\"font-weight: 400;\">in financing, the applicant offers the opportunity to invest in the applicant&#039;s shares or other forms of equity through the crowdfunding platform.\u00a0<\/span><\/p>\n<h3 style=\"text-align: left; padding-left: 40px;\"><strong><span style=\"color: #339966;\">Advantages of crowdfunding<\/span><\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Crowdfunding is an opportunity for both investors and ordinary people to invest <\/span><b>in smaller amounts <\/b><span style=\"font-weight: 400;\">and share in the company&#039;s success. Thanks to crowdfunding platforms, projects are supported directly without intermediaries or institutions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Thanks to crowdfunding, they also get attention <\/span><b>smaller projects<\/b><span style=\"font-weight: 400;\">, which can grow large and also give a novice entrepreneur better advantages for success.<\/span><\/p>\n<h3 style=\"text-align: left; padding-left: 40px;\"><strong><span style=\"color: #ff0000;\">Disadvantages of crowdfunding<\/span><\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">If the company that raised capital through crowdfunding does not become successful or goes bankrupt, the investors will not get their invested money back either.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Since crowdfunding platforms often have a large number of different companies and projects, it is difficult for investors to find reliable and good investments, and companies <\/span><b>difficult to stand out.<\/b><\/p>\n<h2 style=\"text-align: center;\"><strong>Grants\u00a0<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">In order to revive the local economy <\/span><b>supported by local governments, the state and European Union funds <\/b><span style=\"font-weight: 400;\">both startups and larger companies financially. That&#039;s what Estonia is for <\/span><a href=\"https:\/\/eas.ee\/\"><span style=\"font-weight: 400;\">Business Development Foundation<\/span><\/a><span style=\"font-weight: 400;\"> or EAS.\u00a0<\/span><\/p>\n<p><b>For example<\/b><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">EA <\/span><a href=\"https:\/\/www.rtk.ee\/meede-alustava-ettevotja-starditoetus\"><b>start-up support for a beginner entrepreneur<\/b><\/a><span style=\"font-weight: 400;\">,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Horizon 2020 grant <\/span><a href=\"https:\/\/www.horisont2020.ee\/struktuur\/juhtpositsioon-toostuses\/innovatsioon-vaike-ja-keskmise-suurusega-ettevotetes-vke-des\/\"><b>for innovative and small and medium-sized companies with strong growth potential<\/b><\/a><b>\u00a0<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">and many more.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In order to find out what kind of support your company could receive, you can ask for advice from a professional counseling center or EAS.<\/span><\/p>\n<h3 style=\"text-align: left; padding-left: 40px;\"><strong><span style=\"color: #339966;\">Benefits of grants<\/span><\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">While there are no free lunches, subsidies are the closest thing to it <\/span><b>for free money<\/b><span style=\"font-weight: 400;\">. When a company qualifies for a grant, it generally receives an amount that does not have to be repaid.<\/span><\/p>\n<h3 style=\"text-align: left; padding-left: 40px;\"><strong><span style=\"color: #ff0000;\">Disadvantages of grants<\/span><\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">In order to receive support, the company must first <\/span><b>to qualify<\/b><span style=\"font-weight: 400;\">. In general, there is an obligation to perform <\/span><b>documents<\/b><span style=\"font-weight: 400;\">, to submit <\/span><b>evidence<\/b><span style=\"font-weight: 400;\"> and answer certain <\/span><b>criteria<\/b><span style=\"font-weight: 400;\">. All these procedures can turn out to be extremely <\/span><b>time consuming<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2 style=\"text-align: center;\"><strong>How do we at Grow Finance help you raise capital?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Funders value companies that can present <\/span><b>reliable<\/b><span style=\"font-weight: 400;\"> financial data. Business strategy and financing contribute to reliability <\/span><b>goals<\/b><span style=\"font-weight: 400;\">, <\/span><b>advantages<\/b><span style=\"font-weight: 400;\"> and <\/span><b>risks<\/b><span style=\"font-weight: 400;\"> clear wording.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We can also help you think through different ways of raising capital and choose the one that meets the conditions of your company. <\/span><b>We assist you in the capital raising process with the following activities:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">getting to know the company \/ financial situation \/ project (including defining bottlenecks, evaluating types of collateral),<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">if necessary, an assessment of the company&#039;s value,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">defining the optimal capital structure,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">creating a list of capital sources,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">preparation of documents \/ business plan (including cash flow forecast, etc.),<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">negotiation with third parties.<\/span><\/li>\n<\/ul>\n<p>Read more about Grow <a href=\"https:\/\/grow.ee\/en\/services\/raising-capital\/\">raising capital<\/a> about the service or contact us by phone: <a href=\"tel:\/\/+37256293090\">+372 5629 3090 <\/a>or via e-mail: <a href=\"mailto:info@grow.ee\">info@grow.ee.<\/a><\/p>\n\n  \n    <div class=\"row large-columns-3 medium-columns-1 small-columns-1 slider row-slider slider-nav-reveal slider-nav-push\"  data-flickity-options='{&quot;imagesLoaded&quot;: true, &quot;groupCells&quot;: 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srcset=\"https:\/\/grow.ee\/wp-content\/uploads\/2026\/04\/Finantsjuhtimise-teenus-300x167.png 300w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/04\/Finantsjuhtimise-teenus-720x402.png 720w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/04\/Finantsjuhtimise-teenus-768x429.png 768w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/04\/Finantsjuhtimise-teenus-18x10.png 18w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/04\/Finantsjuhtimise-teenus.png 1376w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t<\/a>\n  \t\t\t\t\t\t\t  \t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n  \t\t\t\t\t\t  \t\t\t\t\t<\/div>\n          \t\t\t\t\t<div class=\"box-text text-center\" style=\"background-color:rgb(232, 237, 244);\">\n\t\t\t\t\t<div class=\"box-text-inner blog-post-inner\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<h5 class=\"post-title is-large\">\n\t\t\t\t\t\t<a href=\"https:\/\/grow.ee\/en\/millal-ettevote-vajab-enamat-kui-raamatupidamist\/\" class=\"plain\">Millal ettev\u00f5te vajab enamat kui raamatupidamist?<\/a>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\t\t\t\t\t\t<div class=\"is-divider\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<p class=\"from_the_blog_excerpt\">\n\t\t\t\t\t\t4 m\u00e4rki, et ettev\u00f5te vajab finantsjuhtimises suuremat kaasam\u00f5tlemist ja lisaj\u00f5udu.\t\t\t\t\t<\/p>\n\t\t\t\t\t                    \n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"badge absolute top post-date badge-outline\">\n\t\t\t\t\t\t\t<div class=\"badge-inner\">\n\t\t\t\t\t\t\t\t<span class=\"post-date-day\">20<\/span><br>\n\t\t\t\t\t\t\t\t<span class=\"post-date-month is-xsmall\">Apr<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><div class=\"col post-item\" >\n\t\t\t<div class=\"col-inner\">\n\t\t\t\t<div class=\"box box-normal box-text-bottom box-blog-post has-hover\">\n            \t\t\t\t\t<div class=\"box-image\" >\n  \t\t\t\t\t\t<div class=\"image-cover\" style=\"padding-top:56.25%;\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/grow.ee\/en\/juhi-kaugtood-valismaalt\/\" class=\"plain\" aria-label=\"Manage remote work from abroad \u2013 prevent the emergence of a permanent location with these tips!\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"164\" src=\"https:\/\/grow.ee\/wp-content\/uploads\/2026\/03\/Kaugtoona-juhtimine-300x164.png\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/grow.ee\/wp-content\/uploads\/2026\/03\/Kaugtoona-juhtimine-300x164.png 300w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/03\/Kaugtoona-juhtimine-720x393.png 720w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/03\/Kaugtoona-juhtimine-768x419.png 768w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/03\/Kaugtoona-juhtimine-18x10.png 18w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/03\/Kaugtoona-juhtimine.png 1408w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t<\/a>\n  \t\t\t\t\t\t\t  \t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n  \t\t\t\t\t\t  \t\t\t\t\t<\/div>\n          \t\t\t\t\t<div class=\"box-text text-center\" style=\"background-color:rgb(232, 237, 244);\">\n\t\t\t\t\t<div class=\"box-text-inner blog-post-inner\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<h5 class=\"post-title is-large\">\n\t\t\t\t\t\t<a href=\"https:\/\/grow.ee\/en\/juhi-kaugtood-valismaalt\/\" class=\"plain\">Manage remote work from abroad \u2013 prevent the emergence of a permanent location with these tips!<\/a>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\t\t\t\t\t\t<div class=\"is-divider\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<p class=\"from_the_blog_excerpt\">\n\t\t\t\t\t\tRemote work for a driver from abroad is not just a convenience - read how to drive smartly and avoid tax risks.\t\t\t\t\t<\/p>\n\t\t\t\t\t                    \n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"badge absolute top post-date badge-outline\">\n\t\t\t\t\t\t\t<div class=\"badge-inner\">\n\t\t\t\t\t\t\t\t<span class=\"post-date-day\">27<\/span><br>\n\t\t\t\t\t\t\t\t<span class=\"post-date-month is-xsmall\">Mar<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><div class=\"col post-item\" >\n\t\t\t<div class=\"col-inner\">\n\t\t\t\t<div class=\"box box-normal box-text-bottom box-blog-post has-hover\">\n            \t\t\t\t\t<div class=\"box-image\" >\n  \t\t\t\t\t\t<div class=\"image-cover\" style=\"padding-top:56.25%;\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/grow.ee\/en\/raagi-raamatupidajaga-valdi-lisakulusid\/\" class=\"plain\" aria-label=\"Talk to an accountant \u2013 avoid additional costs\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/grow.ee\/wp-content\/uploads\/2026\/02\/Raamatupidaja-Grow-Finance-300x169.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/grow.ee\/wp-content\/uploads\/2026\/02\/Raamatupidaja-Grow-Finance-300x169.jpg 300w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/02\/Raamatupidaja-Grow-Finance-720x405.jpg 720w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/02\/Raamatupidaja-Grow-Finance-768x432.jpg 768w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/02\/Raamatupidaja-Grow-Finance-1536x864.jpg 1536w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/02\/Raamatupidaja-Grow-Finance-2048x1152.jpg 2048w, https:\/\/grow.ee\/wp-content\/uploads\/2026\/02\/Raamatupidaja-Grow-Finance-18x10.jpg 18w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t<\/a>\n  \t\t\t\t\t\t\t  \t\t\t\t\t\t\t  \t\t\t\t\t\t<\/div>\n  \t\t\t\t\t\t  \t\t\t\t\t<\/div>\n          \t\t\t\t\t<div class=\"box-text text-center\" style=\"background-color:rgb(232, 237, 244);\">\n\t\t\t\t\t<div class=\"box-text-inner blog-post-inner\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<h5 class=\"post-title is-large\">\n\t\t\t\t\t\t<a href=\"https:\/\/grow.ee\/en\/raagi-raamatupidajaga-valdi-lisakulusid\/\" class=\"plain\">Talk to an accountant \u2013 avoid additional costs<\/a>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\t\t\t\t\t\t<div class=\"is-divider\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<p class=\"from_the_blog_excerpt\">\n\t\t\t\t\t\tEarly communication with an accountant will help avoid surprises and find better solutions for your business.\t\t\t\t\t<\/p>\n\t\t\t\t\t                    \n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"badge absolute top post-date badge-outline\">\n\t\t\t\t\t\t\t<div class=\"badge-inner\">\n\t\t\t\t\t\t\t\t<span class=\"post-date-day\">27<\/span><br>\n\t\t\t\t\t\t\t\t<span class=\"post-date-month is-xsmall\">Feb<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>In order to raise capital, you need to understand the specificities of the different types of capital in order to find the most appropriate one.<\/p>","protected":false},"author":10,"featured_media":7784,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[81],"tags":[54,53,19,55],"class_list":["post-7783","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kapitali-kaasamine","tag-kapital","tag-kapitali-kaasamine","tag-raamatupidamisteenus","tag-rahastamine"],"_links":{"self":[{"href":"https:\/\/grow.ee\/en\/wp-json\/wp\/v2\/posts\/7783","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/grow.ee\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/grow.ee\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/grow.ee\/en\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/grow.ee\/en\/wp-json\/wp\/v2\/comments?post=7783"}],"version-history":[{"count":2,"href":"https:\/\/grow.ee\/en\/wp-json\/wp\/v2\/posts\/7783\/revisions"}],"predecessor-version":[{"id":13797,"href":"https:\/\/grow.ee\/en\/wp-json\/wp\/v2\/posts\/7783\/revisions\/13797"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/grow.ee\/en\/wp-json\/wp\/v2\/media\/7784"}],"wp:attachment":[{"href":"https:\/\/grow.ee\/en\/wp-json\/wp\/v2\/media?parent=7783"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/grow.ee\/en\/wp-json\/wp\/v2\/categories?post=7783"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/grow.ee\/en\/wp-json\/wp\/v2\/tags?post=7783"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}