Starting up a company is a difficult job regardless of worrying about finances and still many startup companies complain that banks won’t lend them money. However, banks have good reason not to lend small companies money right away. What if your company fails in the first 3 years, where does all the money come from? That’s why the first place to look for financing is your own personal savings. If you believe in your company strongly enough, then you should be able to invest in it without fear of losing money. But you don’t have to sell your assets in order to tap your personal savings. You can begin by investing in a stockbroker than can help you with a low interest margin loan. Also, if you own a home, you can take out a home equity loan on the part of the mortgage that you’ve already paid off. Credit cards are another practical small business financing solution. Many successful businesses have financed their growth with credit cards. A benefit to credit cards is that they lend you money without checking profitability of your business. Credit cards should be used for routine purchases like office supplies and phone bills, not for buying big-tickets items like computers and office furniture because of growing interest rates. If you’ve finished your personal savings and you need more money than the bank or Credit Card Company is willing to lend you, it may be time to look for outside investors. This involves selling a piece of your company in exchange for the cash you need to take your business to the next level. You should also look into leasing any supplies which result in a practical way to save money for other aspects of your business.