The most effective way to finance your business during the startup is to identify where and what you can save. There are some known components in your business which represent fixed expenses. But there are some discretionary expenses such as mortgage, taxes, insurance, etc which you can decide if you can forego for awhile to save your money.
Analyze your finances carefully. Identify where you should best spend your money and strictly enforce tight budgeting. Doing this will help you save thousands in a year. You can dig up further on your hidden expenses such as credit card interest rates, bank charges, late fees, auto debits, etc. You can save your money if you can identify these as early as possible.