There is more money for Timorese businesses than most founders think — but it sits in different pockets, and each pocket wants something different from you.
1. Your own sales (start here)
The cheapest money is a paying customer. Pre-orders, deposits and starting small mean you keep 100% of your business and prove demand at the same time — which every other funder below will ask about.
2. Micro-finance
Kaebauk Investimentu no Finansas and Moris Rasik lend to small businesses across the municipalities, including group lending for women entrepreneurs. Loans are real debt: borrow for stock and equipment that generate sales, not for rent and hope. Compare the true monthly cost before signing.
3. Banks
BNCTL and the commercial banks finance established businesses with records — another reason to register your company and keep clean books from day one.
4. Grants, competitions & programs
IADE, UNDP youth-entrepreneurship programs, incubator cohorts and donor competitions regularly award seed grants and equipment. Free money is competitive money: a clear two-page plan and a working prototype put you ahead of most applications. Watch the training & events calendar for open calls.
5. Community crowdfunding — on this platform
Startups of Timor campaigns let your community back you directly, in cash or SOT Coin, against rewards you define — first products, opening invitations, your thanks on the wall. Campaigns here are reward-based support, not shares: backers are supporters, not shareholders, and every pledge and update is on the record.
What every funder wants to see
- A registered business (free — see the registration guide)
- Evidence people pay for what you sell
- Simple, honest numbers
- A founder who answers messages