Money isn't everything, but you can't get started without it. Once you know how much money you'll actually need, there are plenty of places you can turn. In fact, you may already have access to the only sources you need.
"While a homebased business requires less start-up capital than a traditional office, remember that you still need money to start your business and support ongoing expenses, such as an extra phone line, stationery, advertising and inventory," says Alona Sussman, a certified financial planner in Chicago. Sussman suggests acquiring at least six months' worth of working capital before starting your business. "This financial cushion will help you survive the time from when you open your doors to when your first revenue check arrives."