How to Get Money to Start a Business

If you are planning to start a business but you don't have sufficient capital, you can check out the different options below. Among the best ways to get money to use as capital are loans, SBA, borrowings, credit card, home equity, and many others.

Pick the best option and with the help of a business plan, you can now start your own business.

How to find Money to Open a Business

A lot of potential business owners back out on the last minute because they don’t have enough money or startup capital. However, if you simply know the options available for you, you will surely be able to start any kind of business especially if you prepared a business plan in advance. Every year, many entrepreneurs enter the market and this is because they know the perfect solutions to their capital problems. Here are some great ideas on how to get money for your business. If you are currently employed, you can have a part time business. With your job, you can earn money that you can use to provide for the needs of the family while the part time business can provide you with profits. At this point, you can save the profits for future expansion.

A home business will require a smaller amount of capital. This option will allow you to save for the utilities and office space bills. You can get your startup work from your former employers who have confidence in you. Small jobs generated from other people will soon pile up and allow you to earn decent money from home.

Some Options of Finding Money to Start a Business

If you don’t have a full time job, you can work part time to earn some extra money. You can use the money to supplement the capital you need for your business. Instead of overspending your money, you will have to live frugally. You need to have enough savings so that when you decide to start on your business, you will have money to spend. For people with good credit records, it’s quite easy to secure a credit card. You can use this to purchase some supplies, postage, and certain equipment for the business. However, this involves risks that you should be prepared for and you have to ensure on-time payments to avoid late fees or charges.

Applying for a home equity loan is another way to secure capital for your business although you will be using your home as collateral. As long as you’re confident that the business is viable, you can use this option. If not, it’s better to apply for a business loan. The bank will ask you to provide all the details of the business and this is where a business plan can come in handy. Another option would be to secure an SBA loan. The last option would be borrowing from friends and family. So you see, you can easily acquire business capital if you know the options.


  • b nahumu kimaro said on August 3, 2010
    a m seeking grant to establish a tourism agent business in arusha tanzania. the business will involve handling and sourcing tourist who are coming to tanzania for tourist visits. the amount envisaged to establish the business is estimated to us dollars 50,000: best regards b nahumu kimaro nahumu safaries
  • shrikrushna said on August 29, 2010
    we want to start business in Bhor area, so pleaz tells us about how to get money.
  • subhash chand said on December 26, 2010
    i want to start bricks manufacturing unit, so how can i get the financial assistance ? what is the term and condition for bricks manufacturing?
  • shreyas shah said on January 18, 2011
    i am providing in training and service in specific accounting software , in ahmedabad -gujarat-india, i want to establish my training and service center for same , but i am facing problem lack of fund how i solve it ????
  • Salil Nair said on July 13, 2011
    I am planning to start an endochrine clinic in India and the setup and running costs for the first year is 80,000 K Can you help as to How to approach financing?
  • longme said on October 13, 2011
    I am the President of my society called ABBTK, we have a big plot of land owned by the society therefore, we are planning for TEAK plantation but we are facing financial problem, how can we look for the fund?
  • shreyansh jain said on November 25, 2011
    i want to start the business from New Delhi, India, my business is to supply allover india the branded surplus garments. how can I arranged for fund?
  • parag jyoti kakati said on November 30, 2011
    sir,i am a diploma holder in plastics mould technology. so, i want to start disposable glass manufacturing unit, so how can i get the financial assistance ? what is the term and condition for this manufacturing?
  • Jen said on February 20, 2012
    I need a loan to start an aerial photography business. Where can I apply for funding because my country doesn't have this type of program.
  • Nkiru said on March 22, 2012
    I want to run a poultry farm. I cannot get access to loan because i have no collateral. How can i get funds because i do not want my dream to die. Tanx. Nigeria, edo state, benin city
  • James expert adviser said on March 24, 2012

    @Nkiru, try a local money lender, they usually charge more interest with no collateral though. If you fail to get some funds from lender then try to ask your friends and relatives for some money. If you still fail to arrange some money then approach a chicken buyer to lend you everything for raising his chicken and finally pay for the time and care you provided. Later start your own chicken farm with the money that you make from him.

    Jestin James
    Startup Biz Hub - Senior Advisor (Staff)

  • john rai said on September 10, 2012
    i want to start trucking business so i have no capital to purchase trucks my place is assam karbianglong district. sir please give some idea to purchase some used trucks where from i get the money if i go to bank they ask margin money and if i go to private finance they ask down payment so where from i get this money pl sir solve my problem .if i go to local money lender they do not want to give .
  • madhu said on November 12, 2012
    We are a hospitality based company from Bangalore.We run a series of serviced apartments and Resorts. We have a presence in Bangalore, Mumbai, Delhi and Chennai. We are looking at a vast growth in the resort business.We are looking at investors we can fund us for which they get a lucrative returns. We get involved right from taking up the project,execution and managing there on. Please let us know if anybody is open to get associating with us for a better business module. Please contact us on 08022443553 or mail us on
  • Willis Ann said on December 3, 2012
    I want to start a poultry farm in Antigua and Barbuda. I am looking for an investor to fund this project. We could come to an agreement concerning lucrative returns
  • swastik said on January 2, 2013
    I am a diploma holder in mechanical engineering and also completed the foundry technology. I have more than 10 yrs experience in ductile iron foundry. Want to start iron casting production unit but I have no fund to shape it. Any body want to invest on that type of business pls. contact +91-8017971895 between 8.30 pm to10 p.m or can also mail on
  • Saheed olagunju said on January 25, 2013
    My name is saheed olagunju. i learned cloth selling business at katangua market in lagos but have no capital to start mine.
  • Rinzing Wangyal Bhutia said on February 2, 2013
    My name is Rinzing W. Bhutia from Gyalshing, West Sikkim. Holding BSc.Horticulture degree. I want to start up an entreprise on mushroom spawn production i.e., button & oystre mushroom,for that i need a sound tissue culture laboratory and establishment cost is high. whom should i approach for the fund. Please help me out...thank you.
  • Biju said on February 8, 2013
    Dear, I am looking investors to start a electrical products importing and wholesale business in india. Please reply me if anybody interest reply me with
  • NARESH KUMAR said on February 27, 2013
    My name is Naresh Kumar. I am in electrical engg. i have 4years experience in electric water heater. so i want to start a business. cont. no-09459019718
  • arun singh said on March 27, 2013
    hi my name is arun i want started my new business in kathua dist. ISP internet services provider plZ help me i have 6 year experience cont plz 09858585879
  • HARMANPREET SINGH said on April 5, 2013
  • sanjay kumar gupta said on April 11, 2013
    sir , i want to mini oil mill start at pinahat, agra U.P. so pl. send me detail. thank you, mo.9634475440
  • rajendrasing patil said on April 28, 2013
    how can i get rs 25 lakhs loan for maize flour mill business at jalgoan maharashtra india?
  • mujahid ali said on May 27, 2013
    Yavatmal ,Maharashtra ,India. I want to start a business when I get the financial help from govt.
  • mamani dutta said on June 4, 2013
    Bankura, West Bengal, India. respected sir, I want to start a business. how can i get rs 5 lakhs loan for gift items business. plz cont me 9932749738 or ans me plz..thank u
  • surendra singh parihar said on June 8, 2013
    Sir, I am from vill-pornapur, Block- Kamalganj Distt Farrukhabad. Sir I have passed 12th before 10 yrs and still unemployed. I seek loan of 2 Lakhs through your promising scheme to start mini dairy so that I could provide better education to my children. Thanking you for early direction on this comment to help me establish a dairy.
  • Rojar Rai said on June 11, 2013
  • mahesh.L said on June 14, 2013
    my name is mahesh. i want to start small travels agency in c.v ramanagar banglore karnataka. can someone help me for capital investment. because my profession is driving and i can manage it . . OM SAI RAM
  • Banjwa Lonwabo said on June 21, 2013
    I want to start a small sheep farming in Umtata Eastern Cape but I don't have capital to start it how can I get money for this because I love farming.
  • naveen murthy said on August 18, 2013
    my naveen murthy I am from AP residing at Hyderabad. I need capital to start my business. my nature of business is sales of computers ie laptops & desktops. My capital amount is 5 lakhs. I need support to full fill my dream . can i get any loan form state govt or central.
  • Hemraj said on September 14, 2013
    my name is hemraj from chennai. i am a engineering graduate. i need capital to start business with my friends. Please contact us on 09094701082 or mail us on
  • Austin said on November 6, 2013
    I have a lucrative business plan on the production of live stock feed. This business is very lucrative in benin city, edo state as farmers will always feed their birds, goat, cow, fish and pig. I don't have the start up capital. please can you advice me on how to get the capital for this business. Anybody interested in this business as a partner can contact me via email:
  • Ranjit said on November 30, 2013
    hi as there is huge difference in demand and supply of soybean oil in India for last few years. I have decided to take up this project to produce soybean oil. does solvent extraction plant comes under SME.? where can i get investment form? and from where can i study details of this ? please help
  • Moses said on December 7, 2013
    I am a student In need of money for school and to treat myself. just call me on +2347058145229. to help me
  • sachin sambhaji yadav said on January 3, 2014
    sir, i have completed MCA in 2013 with first class 60.208% but due to huge rectification in IT sector still i dont got job so until i decided to set up our own business so please suggest me our different schemes and their norms so i think over it
  • Bilal ahmad kumar said on January 11, 2014
    Dear sir, i want to start my business in readymade whole sale i have not a sufficient amount to start a business i am trying from 2 years but i can't do anything and our income is very low so i have a need of money so that i can start my business my contact no. 9622755163 i am from j and k state district anantnag .
  • ebenezar vaiphei said on February 1, 2014
    sir, i am 30 yrs old and i complete my B.A and i want to start a business that is establishing a new private school with best education facilities this will be very beneficial because the local private schools doesn't provide these facilities and the guardians/parents were not satisfied in their children education. please support me to start my business this will not only benefit also the students .
  • Gorbindar Singh said on March 18, 2014
    i need financial help to start a small business cum help for people over here at guwahati. we need only 30,000 to 40,000 to start business.. thanks
  • pragnesh said on July 11, 2014
    to start own business guide me
  • md shahnawaz alam said on August 10, 2014
    sir, want to setup a new mineral water plant packaged drinking water of 200ml, 500ml, 1lt and 20lts so plz suggest me how to get loan and documents required for registration, pan tan etc. thank you
  • Vinod gawali said on September 26, 2014
    I am Defloration. PHARMACY qualified person working in medical store from 1 year 4 month want to start medical store in Mumbai but having finance problems how could I start it?
  • Atul Kashinathji Thool said on October 16, 2014
    I start the drinking water plant.. I live in wardha.mahrasta..
  • islam ali sheikh said on October 17, 2014
    Hai ! I'm islam ali sheikh from dhubri dist, assam, of 40 yrs. I have completed bsc. major in chemistry from guwahati university. I need loan / financial assistance against mortgage from govt or else to start business. It will be a great help for me & my family.
  • billal hossain said on November 9, 2014
    sir. please help land mortgage cow farm loan. stet west Bengal. mobile number 09735514211
  • satish said on April 9, 2015
    Sir I want to start a BPO business so I need loan of Rupees 5 lak so pls help me to get loan,
  • omolola said on August 24, 2015
    Pls am just trying to start, and I dnt have enough money, I mean capital to start up with.
  • Joel Njovana said on September 10, 2015
    Dear sir/madam, I am looking for investors who are interested to start Poultry farming in Zimbabwe. Available is a commercial farm with Tittle Deeds. Contact me for more information on +278 3782 2807. Thank you.
  • pavan kumar sharma said on May 18, 2016
    dear sir i want to start a buffalo dairy farming in roopwas bharatpur rajsthan in india so i need to loan so pls suggest me without mortgage loan i am unemployed person so pls help me i need loan above 25 lacs


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