A partnership scheme. Another method for starting a business without significant capital is to find a partner who has the resources necessary for a launch. In this case, the partnership scheme may involve role distribution, where one partner contributes capital, while the other brings experience, connections, and management skills. This model can be beneficial for both parties: one partner earns from the investment, while the other can realize their business idea without requiring substantial funds.
Borrowing and bank loans. Another option is to approach a bank for a loan. However, keep in mind that banks rarely grant loans for ideas unless there is collateral or proven creditworthiness. Furthermore, borrowing money against assets, especially property, is an extremely risky move, and I would not recommend it. You risk losing not only your business but also your home. Therefore, if you decide to approach a bank, meticulously assess the risks and ensure your business model is robust enough to ensure loan repayment.
I hope my response will be beneficial to you. I have personally navigated this challenging path, starting as a vendor and gradually building my business. I often reminisce about those times when every earned dollar felt valuable, and that experience taught me a great deal. Thus, if you lack initial capital, remember that there are always solutions available—be it through personal earnings, venture funding, a partnership model, or even securing investments through a bank. The key is to act thoughtfully, evaluate risks, and not shy away from moving forward. I wish you the best of luck in your endeavors and strong resolve in achieving your goals!