9. Save it up:
Give yourself 1 or 2 years probation to save up. This require absolute discipline but you can do this, then you can comfortably start your dream business.

10. Money Lenders: Approach money lenders in your area to lend you money with interest. Loan companies offer outright loans to businesses who otherwise wouldn't qualify for anything through big banks.

11. Make money from your hobby:
What do you like doing? It can fetch you some money to start up a business.

12. Join a Co- operative Society or thrift Organization:
There are cooperative society and they can give you financial assistance if in need. You join them, save a minimum of six months, which qualify you twice the amount of your savings.

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13. Advance Salary Loans:
If you are a salary earner, you can obtain an emergency loan which will get deducted overtime.

14. Family and Friends:
Getting a loan from someone you know works, but make sure to put it all down on paper and never waver on your payments unless you want to ruin your relationship.

15. Take in a Partner with cash into your business:
Going into partnership with someone with deep pocket is a good idea but ensure agreement and condition is clear and signed.

16.Online Business:

Opportunities abound on the world wide web. Look for online business or jobs you can do to make money. You can try blogging, affiliate business, freelancing, information marketing, network marketing, brokerage etc.

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17. Mutual Aid Programs:
If you are willing to take risk, maybe in the short term period, you can join a mutual donation platforms to raise funds.

Liquidate Assets:
Sell anything you have that is valuable to raise funds. This can be your house, car, a copyright or a patent right.

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18. Downsize Costs:
Find money in your own personal budget by cutting back on entertainment, clipping coupons and tightening up your finances.

19. Keep your day Job:
If one job isn't enough, take on a part time job and earmark the funds for your business.

20. Get a Second Job:

If one job isn't enough, take on a part time job and earmark the funds for your business.

LOW LEVEL LENDING

Who needs a huge corporate bank? Turn to smaller banks and individuals to get the money you need.

21) Bartering:

Income doesn't have to mean cold, hard cash. Trade with other businesses for the equipment and services you need.

22. Online Loans:
Apply for loan online from websites such as carbon, Aella credit, branch, fairmoney, QuickBooks, renmoney, Zedvance etc.

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24. Fund Scheme:

You can get funds for your business through Social Intervention fund of the Federal Government, Grofin fund, Tony Elumelu fund, Lagos State Employment Trust Fund etc.

25. Industry Leaders:

Ask individuals and businesses that are leaders in your industry for a loan. They are more likely to be sympathetic to your needs and understand your goals than big banks.

26. Ask for Advice:

Advisors often want to put money behind their involvement, so find loan opportunities by seeking out help.

Creative Financing:

Check out these ideas for truly creative ways to find extra cash through innovative programs and even more risky lending.

27. Vendor Financing:
Discuss payment and leasing options with your vendors so you don't have to buy supplies and equipment outright.

28. Assign a CD:

Get instant gratification on a certificate of deposit by assigning it.

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29. Revolving Loan funds:

Get a loan through a revolving loan fund, and once you've paid it back, it can be used by another budding entrepreneur.

30. Esusu
Esusus are just like a revolving loan fund, except the system is managed among a group of peers. Use an Esusu to pool your money, and you'll each get a turn to use it and repay it.

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31. Asset Sales:
Sell an asset like computer equipment to someone you trust, and have them lease them back to you for a fair price. You will get a nice amount of capital that you pay back overtime.