Many find it uneasy to finance a start-up because of lack of capital and resources. The Start-up fundraising process is a journey, especially in times of growth when the economy is at a critical state.

There are two new entrepreneur-friendly financing solutions that will help you reach your goal without personal guarantees or giving up equity.

Lines Of Credit and Term Loans are to empower start-ups with capital for a period. Though this debt capital has been unavailable to start-ups until they can raise millions of dollars from venture capital. Only then can start-ups get access to capital from several tech banks and venture debt funds.

Other alternatives to getting finance for a good start-up include:

Acquire a bank loan As Financial startups

Loaning standards have been and can be a very strenuous process.

Using credit cards

Major disadvantage of credit card payments is the vulnerability to fraud or theft, but again, those who choose not to use credit cards lose nothing from businesses simply offering the option.


Entice an Angel investor

While trying to attract an angel investor, stating your experience in your field is one way to entice the investor into believing in your vision. Make sure you’re passionate about your visions on starting up your company and not just because you to cash in on the latest trend. Have competitive analysis, market assessments, and a rigid marketing and sales strategy. This will give your investor a promising

Make your future earnings a collateral

Through an online market place called THURST FUND, Jon Gosier offered up a percentage of their future earnings in exchange for upfront undesignated venture funding.

Engage in crowd-funding

Sites like Kickstarter, Indiegogo, Causes, and Patreon create a fun and effective way to raise money and create projects at a relatively low price. But keep in mind that it isn’t long-term funding and they give support to single one-off ideas.

Lend money from family and friends

This is the most common way to finance your start-up. But this is unadvisable because relationships are ruined when we become each other’s creditors and debtors.



The lack of collateral, credit history or inability to secure a loan in the bank doesn’t mean its over. Applying for a microloan is an option. Microloans are always so small that commercial banks can’t be bothered by lending the funds. So instead, go to a micro lender; a non-profit organization that works differently from banks.

Comments (2)

  1. admin
    October 24, 2018

    Some need to protect very valuable information. All these factors should be taken into account.

  2. admin
    October 24, 2018

    I ran Windows XP for a year to try to prove it. Less knowledgeable users can get their PCs infected no matter how much protection you give them. Software can’t protect people from themselves.

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