Starting a business without start-up capital is not an easy task, but it is quite doable. I always recommend starting with earning your own money. This will allow you to feel what money is really worth, how hard it is to earn it, and how easy it is to lose it. At the beginning of my journey, I took this path: I worked as a seller at the market, gained experience, saved up my earnings, and only then was I able to open my first tents and trade pavilions at the market. This approach allows you to not only collect start-up capital, but also better understand the market in which you are going to work.
Using the venture model: the "three Fs" stage. If you cannot accumulate sufficient capital, you can use the venture financing model and go through the so-called "three Fs" stage (Friends, Family, Fools). This is a common practice in venture circles, when startups attract investments from friends, relatives, or people who are willing to take a risk for the sake of a new idea. However, it is important to remember that money from loved ones is not just capital, it is also responsibility. Therefore, it is necessary to think through all the risks in advance and honestly discuss all possible development scenarios with potential investors.
Partnership scheme. Another way to start a business without significant capital is to find a partner who has the resources necessary for the start. In this case, the partnership scheme may include the distribution of roles, where one partner contributes capital, and the other - experience, connections and management skills. Such a model can be beneficial for both parties: one partner gets the opportunity to earn on investments, and the other - to implement their business idea without having large sums on hand.
Lending and bank loans. Another option is to apply to the bank for a loan. However, in this case, it is worth considering that banks rarely issue loans for ideas if there is no collateral or proven solvency. Moreover, borrowing money on the security of property, especially an apartment, is an extremely risky step, and I would not recommend doing so. You risk losing not only your business, but also a roof over your head. Therefore, if you decide to go to a bank, carefully calculate the risks and make sure that your business model is stable enough to ensure the loan is repaid.
I hope my answer will be useful to you. I myself have gone through this difficult path, starting as a salesperson and gradually creating my own business. I often remember the times when every ruble earned was worth its weight in gold, and this experience taught me a lot. Therefore, if you do not have start-up capital, remember that there is always an opportunity to find a solution - be it your own earnings, venture financing, a partnership model, or even attracting investment through a bank. The main thing is to act thoughtfully, assess the risks and not be afraid to move forward.
I wish you good luck in your endeavors and strong strength to achieve your goals!