Work a job and use your savings and equity in your home. Those were the examples the alleged small business tax cheats were crying when government tried to hike their rates - there was no mention of access to capital being a problem but the actual problem is they should have incentive via lower taxes to actually use the capital they have to start a business and keep running it even during rough patches. The alleged entrepreneurs who cry about access to capital just want to have their cake and eat it too - i.e have the government spend more taxpayer money on grants (free money) and bailouts if they flop. If you are meant to be an entrepreneur you bootstrap, hustle and network to be successful. Some achieve success fast, some slow and some never.