Na financovanie podnikových aktivít sa často využívajú externé zdroje. Za externé zdroje financovania sa považujú všetky zdroje, ktoré do podniku prichádzajú zvonka od iných subjektov a to bez ohľadu na to či ide o majiteľa, iné podniky, banky, poisťovne alebo dokonca štát.
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• Vklad majiteľa – základným externým zdrojom, ktorým podnik získava vlastný kapitál pri svojom vzniku, je vklad majiteľa. Ak v priebehu činnosti podniku vznikne ďalšia potreba kapitálu a podnik nemá k dispozícii dostatočné vlastné zdroje, môže dôjsť k zvýšeniu vkladu majiteľov. Forma vkladu a jeho prípadné zvyšovanie závisí od právnej formy podniku.
• Inovatívne formy financovania – medzi moderné nebankové formy financovania MSP, ktoré sú na Slovensku menej známe, resp. známe len v teoretickej rovine, môžeme zaradiť: Venture Kapital, Private equity, Mezanínový kapitál, Business angels kapitál
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• Osobitné formy financovania – k osobitným formám financovania zaradzujeme leasing, faktoring, forfaiting a zdroje malých a stredných podnikov.
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