text: There's no such thing as a loan "i dont have to pay back."  What you're talking about is, perhaps, a grant.   I don't think grants are awarded to individuals, just to non-profit groups.\n\nDo check out the Small Business Administration website, like the other person mentioned..  You may qualify for low interest loans.  Also talk to the librarians at your local public library.  They can point you towards helpful books on starting a small business.\n\nIgnore the previous answer about getting a grant from the Better Business Bureau. (BBB)    The BBB rates companies - it does not give grants to small businesses.