Where to Get Money to Start a Business

If you want to start a business, you will have to get enough capital. You’re lucky if you have adequate capital but what about others who are less fortunate?

There are options and this includes the following – business loans, payday loans, personal borrowings, and hard money. Make a choice now.

Where to Get Money to Start a Business – Loans

Are you one of the luckiest individuals out there who inherited great wealth or perhaps you have huge savings on the bank? Some people with a lot of money don’t know what to do with their wealth. If you’re a rich person, you can start your own business. What if you don’t have enough money for business startup? You should know where to get money or financing before you start working on your business plan. Most new businesses don’t make enough money on the initial months of operation. Aside from startup capital, you also need to secure working capital to provide the needed cash flow.

The best way to secure financing is by creating a comprehensive and formal business plan. The question now is – where are you going to get the money? You have many options available. The first one is business loans. With a great business plan, you can be granted a loan. The rates and the payment terms will usually depend on your credit standing. With an excellent credit record, you can avail of lower rates and better terms but if not, your loans will carry a huge interest.

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Other Financing Options

Financial lenders like banks are the primary source of capital. Some business owners rely on payday loans to cover their operating expenses especially during the initial months of operation. This can mean instant money for you but the rates are a bit high. If you want, you can borrow from friends or family. You have to keep in mind that personal borrowings can strain relationships, so make sure that you repay what you owe on the day you promised. Starting a business involves many expenses such as leasing out the business space, purchasing of inventory, licensing, permits, and many others. The daily operations will include expenses such as electricity, water, phone, salaries, insurance, etc.

When you want to start a business, the last option would be to borrow ‘hard money’. This refers to individuals who are willing to give the needed funds but the amount usually carries 10% to 20% interest or even higher. As the word suggests, it is hard money because you will also find it hard to repay what you’ve borrowed. By knowing the options, you will be able to make the right choice. Money is an integral part of the business. Without it, you will not be able to start the business. Start working on your business plan and who knows… you can get a loan with a great rate!

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  • satheeshkumar said on July 21, 2010
    I want to start a trust in kerala at palghat. I want to know where i will get finance for starting this trust.
  • mpume said on September 29, 2010
    I need funding for my business, I don't know how to go about it. I don't have enough money to make calls and research. SOS
  • Neza Mila said on October 2, 2010
    Am interested in doing glass, paper and plastic recycling business but do not have capital to start my business. Please advise
  • isaac said on December 3, 2010
    i want start wholesale business or supermarket in soroti but i dont have funds to start, please advise me on where to get the funds to accomplish my vision.
  • Famerc said on December 15, 2010
    Please i need money to boost my business in Nigeria, i am into computer business and selling of recharge card in wholesale. Am in Nigeria, Oyo State, Ibadan. My address is No 11, Bolumole Street, Challenge, Ibadan and my phone number is 08024935466. Thank you.
  • Okito said on December 17, 2010
    I need finance to open a guest house in my own property in the city of Lubumbashi, DR Congo. Can someone Help? Please contact me in Canada at 01.416.850.0826
  • Cherie said on January 20, 2011
    What do I need to obtain a grant to start a Flower Shop in Sparks, Nevada
  • arun kumar said on February 19, 2011
    I sincerely wish to open a kerala restaurant in malaysia ( any part of malaysia). So much sure the business will flourish in short period of time since there are no good kerala restaurants here. There are few and they call themselves Kerala restaurant but not a touch of kerala.
  • leonie marina kumari samarasinghe said on March 11, 2011
    i want to have my Montessori school on my own building. can i get financial aids for this.
  • R. Das said on March 27, 2011
    I want to start a chilli, turmeric and cumin powder manufacturer business. Kindly make me suggestion how i start this and how much capital required?
  • Lizelle said on April 12, 2011
    Hi there, I would like to open a business supplying printer cartridges and office furniture,cleaning materials to government & business in Cape Town ,South Africa. anyone interested in helping me? Please mail me. Thanx
  • Dhinakar Babu said on May 30, 2011
    Hi, i would like to start chilli powder business in chennai. can i get loan & buy back agreement from the big companies.
  • Sibele said on July 19, 2011
    Hi, I would like to open a courier service in FL. Don't know how i can leave my currently job so i can start this up...no saving so far.
  • Salomon Zoo said on August 7, 2011
    I need money to make my money transfer company with my location countries but a bank ask me a bank caution. I hope to get your answer soon
  • Sushant Soni said on August 24, 2011
    I am doing business at here in Lubumbashi - D R Congo for Accounts and finance consultant I have here 4 companies which I am consultant. I want to open at here one good financial service business like bank so which given bank land and taken Fixed deposits from individual so if any one assist me to start this business.
  • Nikolay said on August 28, 2011
    I live in Ukraine, Dnepropetrovsk, a financial consultant to the international financial holding company registered in the UK (IIG) leading businesses in Ukraine, can I get a loan for a business or buying an apartment
  • MYRNA LUCAS said on December 3, 2011
  • Jilani Pasha said on December 5, 2011
    hi all, i am an Indian from Oman, i have a good idea of starting a pet shop in Oman, can anybody help me financially?
  • Rose Mensler said on February 9, 2012
    Hallo, I am a kenyan Lady and live in Hamburg Germany where i would like to open a Retail & Wholesale shop for Arts & Crafts. I need funds to enable me to operate fully. This is a Business i have done before as part time. Your help will go a long way to help other Women and young people who i will be buying the products from. If you would like to join me please welcome. We can make a change.
  • julieta locquiao said on February 26, 2012
    hi sir! i want to put up a small rice store, but what license do i have to secure before starting.
  • sharad said on March 19, 2012
    I need initial capital to start my business please let me know your conditions. I am sure once you know about my business you cant say no... Thanking You!
  • sandhya aher said on April 26, 2012
    I have business in mumbai, i need fund around 1,50,000/-. how to get this fund for my business please help
  • chandra lakshmi said on May 2, 2012
    Am doing software business from home, I need Rs.5,00,000/-INR to develop my business,contact numbers: 7200002755, 9790332755. Where to i get urgently.
  • NAZEER said on June 21, 2012
    Hi I want to a catering business in chennai small scale I have no capital investment how and where I can get loan for business pls suggest me tank you
  • Santhoshrani said on July 16, 2012
    Hi, I want to start up a dairy farm near hyderabad. So, could you please assist in how to get loan instantly. Please help and suggest me.
  • leo said on July 21, 2012
    Hi I want to a catering business in Mumbai, India and i have no capital investment .Kindly advise from which bank i can get loan and how to get the catering license?
  • Bipul Debnath said on July 30, 2012
    i have a small biscuit bakery but i want to make it large. can i make it large.
  • vinod said on August 1, 2012
    I like to start my own consultancy firm in chirayinkeezhu, kerala, trivandrum. i have around 13 years experience in the construction related industry. I need funding to setup an office and related infrastructure.
  • WRIGHT said on August 10, 2012
  • contessa espinosa said on August 11, 2012
    i like to start business fashion jewel like shells earrings ,bracelets and necklaces, but i need to have an investments here in my place
  • hazel said on August 12, 2012
    My hubby has started his coco charcoal business for exportation. He's broke for these almost 3 weeks and his operation almost stop due to lack of raw materials. He had a P.O. from Korea and shipment due is almost coming. If we can have the additional amount needed about Php 200,000.00 for the production to continue within 3weeks to 1 month time we can pay you back. Since our P.O. will be in USD. Hope somebody can help us. Location of Business in Cebu City, Philippines. Production Plant in Jubay Bohol, Philippines. Contact no. 63 0922715999
  • ABHI said on August 13, 2012
    i need fund to start stock broking company i need business partner also
  • Yvonne Bonife said on August 22, 2012
    Good day! Sir/madam, i am Von, i invented a condiments like Red Hot sauce, Green Sili-Vinegar, Vinaigrette-Salsa, Chili Powder & light soy sauce. The all natural & fresh, delicious and aromatic. I already introduced the product last June 2012 in Manila food & bev expo at WORLD Trade ctr. And everyone testimony that it's delicious & hotter than tabasco. I need funds, is anyone out there have a very good heart please help me.i want to spread this around the globe thru your help. GOD bless you.please email me; vonbonife@yahoo.com ..twitter: silivon1 ..fb: von bonife Cp# 0063919-6521564/0063932-6793760
  • Bonappifa youths said on September 6, 2012
    Dear Sir/Madam, We are group of farmers in cameroon in the south west region of cameroon, we have a great vision to grown corn in a large scale and supply breweries companies in our country they are importing maize from outside the country. We have 110hz of land ready for this project and the region this land is located maize can be cultivate four time a year. We are looking for a reliable partner that came up with the funding for us to run this project everything about the project has be draft and taken the the government and the government has confirmed it. We are ready to deal with partners that are ready to travel in our country to see what we have already. Contact us through 0023796121250 or 0023778425410.Email bonappifayouths@hotmail.com
  • Molebohe said on September 10, 2012
    Dear sir/Madam - i want to start a business in borehole drilling in the rural communities countrywide, i need funding for my business for start up R450 000 - R500 000 from south africa, i have a business plan ready if might needed - contact +27 (0)76 816 5806
  • HigherAchiever said on September 10, 2012
    I have the idea. Please help. My idea will help the entire world and it would be needed on a daily basis.
  • Shaju Vijayan said on September 20, 2012
    I am in need of fund for making of an upcoming low budget commercial film. If any one interested can contact me through my email ID : shajuvijayan1977@gmail.com.
  • oniovokukor ogaga said on September 23, 2012
    i want to start a recharge wholesale business i dont have any money to start please i want some body to help me i pray that God should bless those that will help me. contact me on this 08133616899
  • mark said on October 7, 2012
    need money to start a car business buying them putting on roads to work for me
  • Adekola said on October 10, 2012
    Please i need a loan to start a computer business couple with selling of recharge cards. I need a loan of #50,000 to get it started. My number is 234 818 974 5009. Ibadan oyo state.
  • caster said on October 17, 2012
    i have a computer/internet cafe, i want to expand it, how can i get a loan? I dont have a business permit. My internet cafe is located in my house only, i need your advice pls. Tnx in advance. philippines
  • Boniswa Princess Habe said on October 24, 2012
    I am working as a security guard, I would like to have my security company, I don't know if What am I suppose to have, and how much money am I suppose to have to start it. I am in CT please help me.
  • Raj said on November 3, 2012
    I'm running a software training business also research and development. I'm in chennai. My business is successful. But i'm not able to grow my business. I need money to improve the process of my business.
  • nqobile said on November 5, 2012
    i would like start a farming business, but i don't have capital. I'm living in KZN, i need funding from anyone who can help.
  • Narinder said on November 6, 2012
    i need cash of 10 lac for my business in Andheri (E) mumbai
  • Prisca said on November 7, 2012
    I want to start a fast food outlet in nairobi which do very well here in kenya, i have no capital but i have great ideas.
  • cleo said on November 7, 2012
    I want to start my own business of owning property I have a land to build more than 20 houses but I don't have money to start my business can you please help me you can call me here @ 0844180716
  • vajeehudheen said on November 12, 2012
    i'm from calicut. now i'm starting an export business. i want money. if you have money to give me as in interest pls contact me.9645623223
  • salman khan said on November 27, 2012
    hi i need money to open small business any kind of business just 4 lacks can any one help me. i am from bangalore pls call me 9738767334
  • Mlondolozi Madlingozi said on November 28, 2012
    Hi everyone we are the couple at the age of 24~29. we want to start a Gym place in Cape Town, South Africa, but we don't have money for a start up. Can anyone bless or offer us capital? This business will help lot of people especially youth to find jobs, get healthy bodies, to reduce crime, drugs addicts and some of diseases. plz help us people to build up our country and fight crime and poverty. Thank you! call us 0842257552/0810530510
  • cynthia said on December 1, 2012
  • aditya said on December 2, 2012
    Sir, i want a loan of rs 20lacks to buy a shop in india, punjab but i pay rs 4lack of return and i have the registry of more property. so, would i get the loan and how.
  • rahgeema said on December 8, 2012
    Hi all I run small beauty salon inside a hair salon in cape town I wanted to know where I can obtain funding to expand my own salon at least a R100 000 thanks
  • yash jadvani said on December 8, 2012
    I want to start water park in surastra , we need 100% investor. would u like to invest in this business Then contact me... My mo. No. 8000711181
  • indrani sen said on December 9, 2012
    want to start an export import business of leather but require huge fund of 25 lacs but will repay 25k every month. Kindly suggest. Location kolkata
  • T Anbu said on December 12, 2012
    I want to paper cup production in Chennai Avadi. I want 7.5 lakhs. Kindly suggest
  • Jean Bernard AYOH said on December 17, 2012
    I have a project of building ecologic houses in ours city. I'll like to start with 50 houses, but I don't have money to start. So I need fund to put on my project. May God bless you. My contact: 22555834375.
  • sridevi said on December 26, 2012
    i am sridevi running internet cafe at Gachibowli, hyderabad, Andhra pradesh to develop the business so need fund. kindly contact :9989509593
  • Mohamed Ekbal Noor said on December 28, 2012
    Hello. Am residing at Kilifi in Kenya. Business located at Mnarani, Kilifi. Have put up a mini fuel station. Require loan of USD10,000 to purchase fuel. Repayment USD 700 per month and payable within 12 months. Address: P.O.BOX 5824-80200, Malindi, KENYA. Mobile:+254725866118. Have never applied loan before. Hope to get your response.EKBAL.KENYA
  • Joe-ann said on December 30, 2012
    Hi, I am good in garment trades, i also have few training in marketing both in field and on the web. With this, I am looking for a better capital provider to help me open my own home-based garment shop. I will be making stuff toys, kids dress, modern pillow sets, and the likes. Pls contact me in my email address for any information that I should know. God bless us all. I am from Philippines, Butuan City, Caraga Region.
  • md sajjad hussain azad said on December 30, 2012
    i am from jharkhand mob no 9709271641 i want to start a school but money is the matter i want only 2 lakhs Indian rupees.
  • ngugi said on December 31, 2012
    Am a kenyan looking for financial assistance to start a stationery shop. I have a ready market but without money to run. Any assistance will be appreciated. My starting capital estimate is $1000. i can be reached through the number +254725568770. Thanks in advance.
  • monicah said on December 31, 2012
    Am from kenya and wish to start a graphic design shop to do it to my customers after I completed my studies in the same field. I have no capital to start one but only needs a sum of $2200. Kindly assist me. I can be reached through koiserah2@yahoo.com. Thanks for the goodwill.
  • TOLU said on December 31, 2012
    I am from Nigeria i studied accounting and auditing in school and i have worked with many companies in my country now i want to establish on education school of language Spanish, Portugese, Dutch and French. I Want to start small scale poultry business. PLEASE I Will be very happy if u can help me with loan my contact +2348191623119
  • olatunji abiodun said on January 7, 2013
    i am a transporter in ibadan oyo state nigeria i have enough experience and i wish to start serving myself i needed #750 000 for capital of which i can return within 6 month with interest i would be glad if any will be of help my contact is +2348189216407
  • Raymond said on January 8, 2013
    Hi, i am a qualified Biotechnologist, who has been working in the food industry, as a quality controller and a research and developer of new products for the past 7 years. I would like to start a business within the field, i have studies the needs of this business and also areas and locations which lack such facilities. I need at-least R50 000 to start the business. would any investors, lenders and people who would like to own shares please assist. My Contacts: 0726898626 or ray101@exclusivemail.co.za. I am situated in Johannesburg, Gauteng South Africa, and was looking to start the business in Soweto and then expend from there.
  • Samuel said on January 8, 2013
    Dear sir/madam, i live in kenya and would like to establish a medical clinic in Ukunda (south coast), i lack capital to start, this business. It will cost me ksh.100,000. Anybody willing to lend me this amount, or anybody willing to assist me realize my dream, i will be grateful.
  • Sobuhle Dlamini said on January 9, 2013
    Hi, There are many good business ideas on this website, that can be profitable and create real wealth. Why does everyone of us, have the same problem of startup capital? And allow it to stall or even kill the possibility of starting the business? Did the first successful business have huge startup capital before it made money? None of the emails on this site are asking for mentorship, or someone in the same field who can give advice on fears or related stumbling blocks. People who have answers to such, also went through the same path years ago. Let us not allow the vision of huge startup capital distort the reality of business. That even with the best equipment, with the best machinery, and the most sophisticated offices, if you can't sell your product, you don't have a business. Maybe we all need to start by selling our first product. Let's look for means of making the first product, and sell it, from home. Sobuhle Dlamini Sobuhle.Dlamini@psgkcorporate.co.za
  • Gracy said on January 11, 2013
    Hi, my name is gracy I am 50 year old and an orphan, I am doing stitching job for the last 30 years, wish to start my own shop, if there is any kind hearted person to help me with 50,000 rupees for low interest, I will be very grateful, don't have anything to give as security, within one year will pay back the amount, please help me to start this, my elder sister to unmarried she is staying in a hostel because we have no place to go, if we could start this shop, we can take an house for rent and live together. MY EMAIL ID IS gracyammichael@gmail.com and phone number is 7403802389
  • seth mayank said on January 11, 2013
    Looking for the investor, for an automobile 2-wheeler industry in rajasthan. please contact: mailmayank28@gmail.com
  • rekha said on January 15, 2013
    i want to start a professional daycare center in mumbai. looking for funds, not a big investment. but looking for 2,00,000 funds
  • syed ibrahim said on January 17, 2013
    i want to start a small marketing business. need a help. Cochin, kerala, India.
  • ashraf said on January 20, 2013
    I want 5 lack. i am starting bakery business pls help me 9995121586
  • thato seaga said on January 23, 2013
    hi i would like to start a communication business from my village in south africa south of johannesburg city in the gauteng province. i spotted a gap of communication because people travel miles just to fax, email, skype and social media. i want to help my fellow villagers to communicate effectively through ICT.
  • Bilal said on January 23, 2013
    Hi, I'm 43 years old, graduated, having with 15 years of solid HR background in abroad, unfortunately could n't save any fund till now. I would like to start a small business in Chennai without cash capital. Can u pls advise me.
  • Yola said on January 27, 2013
    I have a home based recruitment company which I want to expand I want to get offices here in Cape Town so that i can employ people, please advise where I can get funding. much appreciated, Regards, Yola
  • swarnasantech said on January 31, 2013
  • Orbit overseas said on January 31, 2013
    Hi, am doing an exporting business related provisions and commodities, and now i want to grow up my business on the basis of the new orders and requirements. For to invest in consignment basis, inviting business investments from credible investors and parties. contact through Email. syamtecorbit@yahoo.co.in.
  • LadyHanne said on February 4, 2013
    Hi i want to start a small business like a sari-sari store, I need 15,000 php for that as a capital and to get a business permit from our local goverment,. I am located At Area 3A Repabalik Ave. Brgy Holy Spirit Quezon City, Manila. And i want to know how much is the interest and what is the requirements? Thanks
  • Fridah Mbaya said on February 5, 2013
    Hi, i live in kenya where unemployment is almost being cleared a national disaster. I cleared college but i haven't found a job yet, have opted to do farming, since agriculture sector in my country can generate income for me and assist other youths earn something. I want to buy a large piece of land so as i can plant tuberrose for export, watermelon and bell peppers for local consumption but i don't have capital please help me start up. Country:KENYA
  • BIPLAB KUMAR PAUL said on February 13, 2013
    I am Biplab Kumar Paul (B.A), I am from Jamshedpur, I want to get a loan to do a business, so plz suggest me, where can I get a loan? Cont no-09572293297
  • melba e, otamias said on February 15, 2013
    i am melba e. otamias, 4 children and 2 nieces staying with me. i have a small sari store located in 69 rd 20 barangay bahay toro quezon city, philippines, the income in my store is not enough to finance my childrens schooling i have one second year college and elementary students. i want additional capital for my store to make it grow and can help me in all my expenses. i need company who can offered me a loans in affordable interest. or a person who can trust me to lend money and pay it monthly i hope you can help me i badly needed help for my family.+639997200473
  • Olamide said on February 17, 2013
    I need money for my poultry farm and fish pond, and i don't have money. I will be very glad if you can help me. so that other people can benefit from me. thanks
  • praveen said on February 21, 2013
    Dear sir/madam, I want to start a new company in chennai. Will you able to help me. please contact
  • Andy said on February 21, 2013
    Hi my name is Andy and i want to start a business whereby i own trucks and rent them to needy companies and creating jobs for other people. i'm in South Africa(Johannesburg). it will cost R400 000 to afford the trucks, but within 5 months this money would be already covered plus interest. pls anyone who is willing to help me, my no:0733844031.
  • SRIDEVI RAULO said on February 22, 2013
    Hello, i am sridevi i have internet running business at Gachibowli, Hyderabad. i want fund to develop my business so i need fund of Rs.2,50,000/-. the repayment will be Rs.1000/- daily basis including interest. if any body want to help me kindly contact :9989509593/9705133471
  • Karthikeyan said on February 23, 2013
    Dear all i'm karthik from chennai. I like to start a new innovative restaurant business in chennai. i need funding for this. people having heart to help a good business idea for a good cause can contact me. my email id is karthikeyan.baskaran@gmail.com mobile- +919176397999
  • Santosh Pant said on February 27, 2013
    Dear Sir/ Mem, I am starting a new Business from Dairy & Tea Garden in Rural Area But I have not big Amount so that I need Money Please help me. Please Provide lone or Best Investor...
  • frans seema said on February 27, 2013
    I am about to start a business,internet cafe,cleaning and also car wash ,etc,I got no idea where to get money,the place of business I find it and also the workers, the brand have been designed ,de name of the company will be nthodi malotsa trading, everything is going well, I already submitted the letter to the municipality regarding the land where I wanna do the car wash, I kindly need 50 000 to start business,am a hard worker and know I'll succeed, please assist with the money, where you can get all the money back co is a business that will stand,you can contact me on 0739081981 or 0792345526
  • vipin kumar said on March 1, 2013
    i wants to open a technical support call center at ajmer i need a investor only 2 lac inr needed contact me plz help 8739983001
  • Andy said on March 2, 2013
    Dear sir/madam. i want to start a transport business but my main problem is capital, i would appreciate it if a could get about R400 000. pls anyone willing to offer me a loan contact me at0733844031
  • Khulekani said on March 3, 2013
    I am looking for a business partner to start a security company i am in jhb at orange farm any one interested and have idea on what to do can contact me at 0719400307 or 0835637633 thanx
  • Andy said on March 7, 2013
    Hi, i'm Andy, there is this guy who called me regarding the transport business, he said he is from DRC. please use this email-makgwalenaisy@gmail.com.NB.befor using the email please call me n tell me u'v got it.
  • David said on March 8, 2013
    Am david from Nigeria oyo state i need some one to sponsor Me with my football career pls i have the talent but no body to help me pls you can contact me 08168427009
  • Sulaimon said on March 10, 2013
    I am electrician man and i have shop and i need capital to stater my business i will glad if u consider me from Nigeria 08026153782
  • M. Mmipi said on March 13, 2013
    i am looking for someone who can assist me with funds to start a supplies business in Botswana.
  • Simphiwe said on March 15, 2013
    Hi am Simphiwe Ndebele from S.A KZN at Ulundi i want to start a business salon but i dont have money to start. how can i get money to start my business please help me. my email Simphiwendebs@gmail.com thank u
  • Tom Waithaka said on March 18, 2013
    I want to start a pub in Langata, Nairobi, Kenya. I have already managed to get the location and paid for the premises together with the rent and deposit for two months. I am now short of money and need money to design the pub to suit the need.
  • Amina modise said on March 20, 2013
    My name is Aminna Modise from Brits, North West. I want to start a salon & internet cafe but, i dont have a clue where to go cause i dont have money please help.
  • cindy van rooyen said on March 20, 2013
    Can someone please help me with a loan of R16million rand I want to buy a big Franchise shop.You can contact me on 082 3555 262.PLEASE.


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