i wanted to start a small business like a grocery store or a small money borrowing but no capital?
969901
This is a very good home based business. Please click on http://www.4xmoneytrain.com\n\nYou will see how easy it is to make a substantial income with no experience and no guess work. A revolutionary software allows you to "SET IT AND FORGET IT". \nMake sure you fill out the survey and watch the two short movies.\n\nThis is the most amazing business opportunity I have ever seen. NO PRODUCTS TO SELL!!
870212
The main problem with a start up is operating capital.  You need at least a years worth because it's nearly impossible to obtain credit until you are established.  It's catch 22, you have to have money for them to lend you money but if you have money you don't need it.  Good luck.
624059
You can apply to your local SBA (Small Business Administration) and there are government loans and grants... But what may be of a greater importance is not the money but the time frame that you have available. All those government agencies will take time...you now the government.\nI think what I world do is go to a bank; you could use the florets as collateral, get the money to make the deal and apply for a no interest government loan or a grant for 5,000. You could then use that money to pay off the bank. \nYou would want a loan from the bank that doesn’t have a pre-payment penalty, but even if you get stuck with one it may be worth just paying it off to save the interest!\nLet me know what happens!
1086611
The best source of financing for new small businesses is friends and family.  No such thing as free money, and there is almost nothing available in the private investment or loan market for a brand new business that does not yet have positive cash flow or valuable intellectual property.  \n\nIf you do borrow from friends and family, just be sure to do it in a way that is fair for all parties and be sure to document your agreement in a written contract.  Business deals that go sour between friends and family members can get really ugly, and can permanently damage a relationship that is more valuable than your business.  Protect the personal relationship using smart preventive business and legal measures to avoid disputes.
17207
There are several avenues to attract capital. In all cases, investors want to see a project plan or the actual idea in beta version. In your case (small scale business), friends & family are most likely the best option. These are the people that are familiar with your thoughts and ideas and will hopefully respect them enough to provide some starter capital. \n\nIf that fails, then you can look at approaching your local SBA center. They can help you with small federally backed loans from local banks. In addition, there may be some grants or special programs available to you. \n\nThe next step is angel investors or venture capitalists. Angel investors are usually individual and wealthy people that will fund an idea if they believe in it. Venture capitalists will only fund more mature ideas with management and some proof of concept.
137017
You would borrow money, typically, from depositors. You would need an equity stake of something like 15% when you first start-up although that could decline to around 10% as you grow.
377194
Hi, I have no experience with this but I've found two sites that may help in starting up your business.\n\nGood luck!
447373
Yes, But what type of loan are you seeking, commercial or personal. We can do any type of loan or grants. How much loan do you need? Do you have the income to repay the loan back on time. Are you interested in any grant money.
594112
The very first step is to contact others who have started a business and ask them questions about everything you can think of.\n\nAnd the second step is just as important: find backers! Without capital, you're just some dude with a good idea.\n\nContrary to popular belief, drafting a "business plan" doesn't have to come first. In fact, one of the things you most need to ask those you interview is "Do I need a business plan?"\n\nIf you find you will need a business plan, there are a number of excellent sites that will explain how to go about developing one, including: http://www.sba.gov/starting_business/planning/basic.html \n\nI strongly recommend that you draft one, if for no other reason than to see exactly what will be involved in starting your business.\n\nIf all of this is a bit daunting, you might consider partnering with an existing business at first, then consider starting a separate business later. Just make 100% sure that you have a legal document that protects your ideas before you disclose details about them to anyone!\n\nGood luck!
1094742
There are many businesses who started with so little yet grew to become good income vehicles down the road. But it will take more work, more research. With little resources, you can't afford to make mistakes.\n\nFrom the article "How to Start a Business with Little Cash" http://www.powerhomebiz.com/vol30/nocash.htm  here are some tips on how you can start a business and earn more money even if you are short of cash today:\n\n1. Find a business that you can start for little money (e.g. an errand business where your main cost is telephone and gasoline is easier to start than starting a Subway franchise)\n\n2. Consider your time and effort - if you have little cash, you may have to work harder for the money because you will have no resource to outsource or employ others to do certain tasks for you; or you have no money to buy equipment so you can only do certain things the long way\n\n3. Get your creative juices flowing. With no money, the only thing you have is your imagination. Be creative and find ways to get things done \n\n4. Be prepared to do all the work yourself - from doing your business plan, finding financing, writing emails, shipping and handling, marketing or whatever processes your business requires. \n\n5. Be prepared to invite investors - you may need financing help from someone down the road so be prepared to share some of the pie.\n\nTo give you ideas on what exactly do you need to start your own business, here are ten things you need to know before launching your own business  “10 Things You Need to Know When Starting Your Own Home Business” http://www.powerhomebiz.com/052006/startingbiz.htm .\n\nYou may want to consult with an experienced entrepreneur or small business adviser to help you map out the best and cost efficient ways to start a business.There are several places where you may be able to find a mentor: \n\n- Government Mentoring Programs such as SBDCs, which works with community colleges and local business development councils to offer mentoring programs http://www.sba.gov/sbdc/sbdcnear.html ; or the Women's Network for Entrepreneurial Training http://www.sba.gov/womeninbusiness/wnet_roundtables.html \n-Volunteer programs such as SCORE http://www.score.org  which is composed of mostly retired executives and entrepreneurs \n- Formal mentoring programs such as Athena Foundation http://www.athenafoundation.org/programs/globallinks.html  , Helzberg Entrepreneurial Mentoring Program http://www.helzbergmentoring.org/HEMP/  , or The Aspen Institute MicroMentor Program http://www.micromentor.org \n- Professional organizations such as the National Women’s Business Council http://www.nwbc.gov/Mentoring/programs.html \n- Industry and trade associations \n- Local business groups, such as the chamber of commerce \n- Local chapters of business groups
909207
You stand a greater chance of getting a government-guaranteed loan through the Small Business Administration http://www.sba.gov/financing than a government grant. Read the SBA Financing page to learn about criteria needed for borrowing \n\nIt is hard to find grants to start a business. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for a for-profit business. And yes, grants mean PAPERWORK - lots and lots of it, that is why a cottage industry of grant writers was born.\n\nNonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture.\n\nEven if you buy books on "how to get grants" or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently. But still the info is the same - hardly any grants for starting a for profit business.\n\nEven SBA does NOT give out grants. From the SBA website http://www.sba.gov/expanding/grants.html\n\n"The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments."\n\nHere is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business -- THERE'S NONE.\nhttp://12.46.245.173/pls/portal30/CATALOG.BROWSE_BENEF_RPT.show\n\nMost of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program \n\nGrants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs \n\nI suggest you read the following books to get ideas of how to finance your business:\n\nFinancing Your Small Business  http://www.amazon.com/exec/obidos/ASIN/1572484500/powerhomebizguid\nSmall Business Financing: How and Where To Get It http://www.amazon.com/exec/obidos/ASIN/0808007386/powerhomebizguid\nFinancing the Small Business: A Complete Guide to Obtaining Bank Loans and All Other Types of Financing http://www.amazon.com/exec/obidos/ASIN/1580626815/powerhomebizguid\nThe SBA Loan Book http://www.amazon.com/exec/obidos/ASIN/158062202X/powerhomebizguid\nAngel Capital : How to Raise Early-Stage Private Equity Financing http://www.amazon.com/exec/obidos/ASIN/0471690635/powerhomebizguid\nFinancing Your Small Business (Barron's Business Library Series) http://www.amazon.com/exec/obidos/ASIN/0764124897/powerhomebizguid\n\nFor private grants, you may want to check the Foundation Center's Foundation Grants for Individuals Online http://gtionline.fdncenter.org  . It's a subscription based website ($9.95 per month) but their opening blurb only says that the database is ideal for "students, artists, academic researchers, libraries and financial aid offices." Entrepreneurs are apparently not one of them, so I take it they also don't have listings of private foundations who give grants to would-be entrepreneurs.
332421
Well, you could start by saying what kind of help you need.  Do you need financing, labor, legal advice, or what?  If the idea is a good one, a local bank should have a fair amount of resources for you.
201307
A lot of great business started with much less amount then that.\n\nYou don't need money to start a business; all you need is five big D’s:\n\nDesire.\nDedication.\nDrive.\nDetermination.\nDream.\n\nGood luck.
1150878
Let's first look at why you don't have a credit card and its implication to your getting resources for your business:\n\na. You have poor credit - if you have no credit cards because no company would approve you for line of credit, chances are also very high that no banks will lend you loans. Having a business plan is not enough; some banks would not even look at your business plan if you have poor credit history. Even SBA loan is a long shot.\n\nb. You have no credit history - either because you are an immigrant or you are a young person just starting out in life. In this case, you have to have a business plan PLUS a collateral or loan guarantor when you approach a bank.\n\nCredit cards have become an important source of financing for many small business entrepreneurs, especially those who cannot get a loan or will not require a significant amount of money. They use credit cards to buy their equipment, pay their suppliers, buy inventory, etc.\n\nWithout access to credit cards, your best sources of capital include your savings, your family, or your friends. You may also be able to find an investor willing to help you out, but the investor must either believe in your business idea so much, or the investor must believe in you as a person and your determination to succeed. I know some entrepreneurs who got financing because the investor just loved their tenacity to succeed.\n\nOtherwise, you scale down your plans or wait for a better time to start a business -- and that is if your financial condition improves.
609818
I recommend checking out the SBA, Entrepreneur, The Start Up Journal & Nolo. All 4 are great informational resources for the new/small business owner. I posted links for you in the source box.\n\nAssociations may be a good avenue to explore as well. These organizations will address many of the thoughts, questions and concerns you'll inevitably have as well as many you haven't anticipated yet. See the source box for some relevant links. \n\nResearch, research, research – this cannot be stressed enough. Read as much as you can about the industry. Here are some book titles that are relevant:\n\nHow to Start and Manage a Printing Business: A Practical Way to Start Your Own Business  by Jerre G. Lewis, Leslie D. Renn\nFree Money for Small Businesses and Entrepreneurs by Laurie Blum\nFinding Money: The Small Business Guide to Financing (Small Business Series) by Kate Lister, Tom Harnish\nFinancing Your Business Dreams With Other People's Money: How and Where to Find Money for Start-Up and Growing Businesses by Harold R. Lacy\n\nThere are plenty of free informational resources out there. Check the source box for links to articles.\n\nHope that helps! I wish you much success & happiness in all your ventures!
384972
First of all you need a business plan.  You can find the "how too's" of them on the internet for free anywhere. If you have a home or some collateral this would be a good thing to be able to put into the business plan. Then go to bank's and investment companies (it helps of you know an investment person), and don't give up.  The Small Businesss Adminstration (SBA) is a good place for info also.  There is so much good information out there places on the internet, and I am speaking of business web sites not just any fly by night.  American Express as well as others has a small business section that has articles and such.  I am attempting to do the same thing now for our business for growth capital.
733793
Even if you go to Grants.gov, you won't see a grant for starting a small business.\n\nYou stand a greater chance of getting a government-guaranteed loan through the Small Business Administration http://www.sba.gov/financing than a government grant. Read the SBA Financing page to learn about criteria needed for borrowing \n\nIt is hard to find grants to start a business. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for a for-profit business. And yes, grants mean PAPERWORK - lots and lots of it, that is why a cottage industry of grant writers was born.\n\nNonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture.\n\nEven if you buy books on "how to get grants" or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently. But still the info is the same - hardly any grants for starting a for profit business.\n\nEven SBA does NOT give out grants. From the SBA website http://www.sba.gov/expanding/grants.html\n\n"The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments."\n\nHere is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business -- THERE'S NONE.\nhttp://12.46.245.173/pls/portal30/CATALOG.BROWSE_BENEF_RPT.show\n\nMost of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program \n\nGrants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs \n\nI suggest you read the following books to get ideas of how to finance your business:\n\nFinancing Your Small Business  http://www.amazon.com/exec/obidos/ASIN/1572484500/powerhomebizguid\nSmall Business Financing: How and Where To Get It http://www.amazon.com/exec/obidos/ASIN/0808007386/powerhomebizguid\nFinancing the Small Business: A Complete Guide to Obtaining Bank Loans and All Other Types of Financing http://www.amazon.com/exec/obidos/ASIN/1580626815/powerhomebizguid\nThe SBA Loan Book http://www.amazon.com/exec/obidos/ASIN/158062202X/powerhomebizguid\nAngel Capital : How to Raise Early-Stage Private Equity Financing http://www.amazon.com/exec/obidos/ASIN/0471690635/powerhomebizguid\nFinancing Your Small Business (Barron's Business Library Series) http://www.amazon.com/exec/obidos/ASIN/0764124897/powerhomebizguid\n\nFor private grants, you may want to check the Foundation Center's Foundation Grants for Individuals Online http://gtionline.fdncenter.org  . It's a subscription based website ($9.95 per month) but their opening blurb only says that the database is ideal for "students, artists, academic researchers, libraries and financial aid offices." Entrepreneurs are apparently not one of them, so I take it they also don't have listings of private foundations who give grants to would-be entrepreneurs.