How To Get Money To Start A Business | Or Can I start for Free?

In this article, I am going to give you ideas about how to get money to start a business. Lack of money does not have to be a reason to put off starting your own business. I will even show you how to earn an income online part-time so that you can grow into a full-time business.

I will show you how I have done it and if you want to join me in a community, I can show you the exact steps I take so that you can do the same.

Here’s why!

Start Part-Time


If you do not have enough money in savings to start your business then start your business on a part-time basis. Here’s a good rule of thumb.

You should have at least six months of needed income in the bank if you’re going to start your business on a full-time basis. Of course, there are a number of reasons for this, but the bottom line is you still have to meet your financial obligations.

When you start a business you’re not always going to have money rolling in right away so you need a little bit of a cushion before it does. This is good for the pocketbook, but it is also good for you mentally.

You will make better decisions if you are not making them based on money. Plus your attitude will be much better when you are relaxed and not always stressed about money.

Get A Part-Time Job

OK! here’s the opposite approach. What if you want to start a business full-time, but you don’t have enough money so you go out and get a part-time job?

A part-time job is designed to pay your bills or to give you extra money to start your business. Depending on the type of business you’re starting, it’s possible to find part-time jobs that will not interfere with your new business.

This is especially true if you’re starting an online business, or doing a part-time job that can be done on the Internet at any time of day. The Internet is your friend!

Credit Cards

using credit cards is one way on How To Get Money To Start A Business

If you have good credit consider getting a new credit card just for business. This will allow you to separate your personal spending from your business spending. I’m sure you can see the tax benefits from that.

Many new businesses have found the money to get started just from a credit card in their billfold or purse. It is fast and it is convenient.

Plus it allows you to pay it back over time as you start bringing in cash to your business. I can’t tell you how many businesses I see on Shark Tank that started with credit cards.

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Family & Friends

This is one way to get the money you should really think about before doing it. Your family is going to be with you for a long time.

Keep in mind that just because you think you have the best business idea ever, you need to consider what happens if your business fails and you borrow money from family and friends.

One thing that many businesses have done in the past years. is selling equity in their new business to their family and friends. This way they have a vested interest in the success of the business, but they also understand the risk that if it fails they will lose their money.

However, if you’re successful, then they will own a percentage of a new thriving business which will be an asset for them!

Home Equity Loan

home equity loan is a good way to get money to start your business

If you have equity in your home why not tap into that for cash as you need it? One way to do that is to get a home equity line of credit.

This way you have access to money when you need it. You also are not taking out a set amount at the beginning based on what you think you need.

If you end up needing less you have not lost interest in money you did not need.

Related Video: On how to Raise Money as an Entrepreneur


Kickstarter is a crowdfunding website. They bring people who need money for business together with people who have the money and are looking to lend it.

Not just business, but people with creative project that needs funding. Their website says “Since our launch, on April 28, 2009, 16 million people have backed a project, $4.3 billion has been pledged, and 163,606 projects have been successfully funded”.

They might be a source for you to get money to start a business.

Want to learn how I earn my passive Income working from home?

Click here right now for our review, my personal help, and instant access to our free training videos where we'll show you exactly how we did it ourselves starting out as complete beginners without ANY prior knowledge or experience in marketing online whatsoever!

What Type Of Business?

Keep in mind that you are going to be an entrepreneur. This means you are responsible for all aspects of your business.

Chances are your success or failure will fall 100% on you. Getting money is the second step after you come up with a business idea.

You do not know how much money you need until you know the type of business you are starting. Some businesses need more money to get started than others, and one should do their due diligence and find out.

As an example, I can show you a legitimate way to start an online business for less than $50. I am dead serious. I started it about nine years now, and now I am earning an income that I can leave for my children and grandchildren, and it is growing every year.

If you are going into retail you will need money for a location, rent, inventory, employees, furniture, and so on. If you start an e-commerce business, there are many ways to run it online with no inventory. Amazon FBA immediately comes to mind. Learn more about it here.

You get the idea. The Internet has totally changed how people get started and how much money they need.

working from home is one way to get money to start a business

Final thoughts

Make sure you have your bills covered. Do not start a business full-time without at least 6 months of income in the bank.

Plan on slow months, especially at first. The days of an overnight sensation are pretty much behind us because of the competition in the marketplace.

Access money as you need it when you can. This will keep you out of debt more than you need to be.

Pay as you go, a part-time job for funding, credit cards, a home equity line of credit, and so on, are all smart ways to get started, keeping in mind that you are getting into debt and not certain if you are going to be successful or not.

You can do what I did and start a business online from home, and work towards it until you build it into a full-time income, then you can still have the time and money to fulfill your dream business if you so wish to pursue it.


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10 thoughts on “How To Get Money To Start A Business | Or Can I start for Free?”

  1. I really liked your article. It can be quite difficult to start a business without having any money. The good thing about starting an online business is that it can turn out to be NOT so expensive, but still some money would have to be spent. Kickstarter truly is a great way to get some crowdfunding recourses especially if you have great ideas about your business. Thanks for this post it gave me some powerful tips and insights.

    • Hey Alex, the different point that I highlighted on how to get money to start a business do work, and there are real people who use these ideas and have benefitted from them.

      For me, I used the Affiliated approach cause I just wanted to supplement my income and it paid of me through the Wealthy Affiliate community that I am an active member of.

      I highly recommend this program cause I can help those coming aboard to have the same success as I am having. Thank you for your feedback and looking forward to working with you to help you reach your dreams.

      All the best, Alex.

  2. Every business requires some money to start. It’s true that online business requires less than a brick and mortar business. But it still requires a little bit of money to get started. I’m so glad I found your post. Thank you for these great ideas for making money to start our business. I’ll take a look at Kickstarter right now.

    I really liked the video at the end of your post with Pat Ben-David at Valuetainment. Cool stuff!

    • Hi Henry, good to see again my friend. I know you are a frequent visitor of my blog and I thank you for returning from time to time. Is always refreshing to know that my readers are getting real value from my post.

      Kickstarter helped a lot of my associates raise funds for their business and they can do the same for you. If you need further assistance please do not hesitate to ask.

      Yes, the video had brought new light on how to raise money, and I know it would do the same for my readers. Thanks again for the positive feedback.

  3. Awesome writeup Bishop. From my little experience, I will say It is difficult to begin a business with no cash. In any case, as a business person, it pays to be key about how you spend your cash and on what. By concentrating on fundamentals and channeling your income into ventures that will enable your business to develop, you’ll be able to scale your business assets as sales and revenue increase.


    • So true Jordan, we have to be very careful how we spend our money, and as our business develops, we have to scale a little at a time, so that it does not hurt us in the long run. Thank you for your input here and thank you for taking the time to leave me a comment.

  4. Dear Bishop,

    There are 1000’s of searches on a daily basis related to “Starting A Business” on Google. Often people ask me, are there any business opportunity without any investment because I don’t have money.

    You have provided great advice in your article!

    I too started my online business part-time. Worked on it for one year part-time and when I started seeing some good results, I switched to full-time. I am now a full-time Affiliate Marketer and Blogger.

    If we are serious about Starting a Business and we need money for it, we need to plan and take action on the ways to earn money for our business. Getting a part-time job and saving that money for business is a great idea.

    Indeed, as you mentioned it’s always advisable to have a backup fund for a few months 6 months or 1 year will be good. Also, don’t take the money from your emergency fund. You have provided great value in this post and I believe this post is going to be a greater help for many.

    You want something, go get it. Period.


    • Paul, you are so right mentioning the best way to get money is to start a business part-time and work tour way on becoming full-time as the way you did. I too started part-time cause earning an extra income to add to your full-time job is always a great advantage.

      It helps others to see that they can start part-time as well and not take away from their other activities especially for sing mothers who are raising kids and have a full-time day job as well.

      Happy to hear that you are blogging full-time, and your business is growing and you are getting the results and do not need a 9 to 5 job that most people are trying to get rid off. All the best.

  5. I have always wanted to start my own business. I think being your own boss would be amazing.  I really love all the options there are to get the funds to get started.  The Kickstarter option is such a cool idea.  I know personally that they really can work, given the right idea.  Thank you for giving me all this great information to try and get my business going. Great job.

    • Happy In was able to help you know how to get money to start your own business and is always a great pleasure for you to work for yourself as opposed to working for someone.

      The Kickstarter has worked for me in the past and it is still a good way others can benefit from that option if they need money to start a business. Thank you for stopping by and leaving a comment.


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