Capital, cash, is one of the greatest deterrents to starting a business. Without cash to invest in your business it will be impossible to get started. The cash may come for your savings, a windfall or from your day-job. If you do not have a personal investment in your business it is unlikely that anyone else will invest. Loans are difficult and scarce. For a more thorough exploration of capital resources we have a book on Financial Resources for Business that you might find helpful.
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Great resources.