When credit is tight, you can still find alternatives to finance your business startup. You can try using the concept of Peer to Peer Lending. You can search website online which allows peer to peer lending. These websites connect borrowers and lenders, this is what they called social lending networks.
These social lending networks will allow borrower with good credits to apply affordable loans. Some programs may allow you to take out a three-year, amortized loan of up to $25,000. This amount is already enough to get a small business rolling. The advantage of having this kind of loan is that there’s no penalty if you decide to prepay the loan.