For amounts under $500: "Put it on a credit card or borrow from friends and family," says Schoenfeldt, of Ladies Who Launch.
For $500 to $45,000: Contact a microfinance institution, which is more open to entrepreneurs. Accion USA gives $500 credit-builder loans to people with no credit history, META in Boise, Idaho (a local group), lends up to $2,000 to first-time business owners, and Make Mine a Million $ Business lends up to $45,000 strictly to women business owners.
For amounts up to $1,000,000: You can apply for an SBA-backed loan—where the SBA acts as a guarantor for small-business owners—available through a commercial lender; the SBA expects entrepreneurs to have enough equity to cover 25 percent of a start-up loan. If you need $10,000, then you must have invested about $2,500 in your business.