I would tend to think your still under the impression that businesses are started with "Borrowed" money…successful ones are not, dont look for any examples on Wall Street private equities markets and purchases, those are shell games and not designed to make money, just pump and dump stocks…..Fortune Magazine detests the idea of actually paying for anything with cash, so dont look there either. If your idea is a good one, plenty of cash is available from potential investors/owners.

If you serious about making a small business, then do it the way all successful businesses start out, with capital from equity owners, not loans from web based shylocks. If you dont want any partners, then finance the gig on your own with your own capital, ….what ? …you say you DONT have any capital yourself ?..Hmmm….I would stay employed then and start saving….."Savings"? Its an old concept from wayback….also known as "Pay as you go"….The Asians are really into it, and the USA used to be.

Starting a new business with loaned capital is like building a 4 story building on sand…..Its destined to fail soon…Hence: 95% of all small businesses fail within the first 2 years.