💸 FUNDING: How to Get Money For Your Business (new & existing)

Dec '25 (edited) • 📊Business

Hi, thriving friends! I want to talk about something we don’t talk about enough, but every entrepreneur quietly wrestles with:

🤔 How do you fund a business… when you don’t have the money yet?

When I chose entrepreneurship by opening my law firm, I had one of those brutal “catch-22” moments:

👉 I needed money to make money.

Saving while working should be the obvious path…

But when you’re a mom raising kids (especially neurodiverse kids), reality is rarely that simple.

Unexpected medical costs

School events

Therapies

Medications

Life

Then add a work environment that's not ADHD-friendly —and my depression only deepened. Starting a business felt impossible. So, I didn't start anything for years.

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𝐖𝐡𝐚𝐭 𝐂𝐡𝐚𝐧𝐠𝐞𝐝 𝐄𝐯𝐞𝐫𝐲𝐭𝐡𝐢𝐧𝐠 𝐟𝐨𝐫 𝐌𝐞

As I continued practicing law, I helped business clients with mergers, acquisitions, and corporate transactions. I got to see the inside of real businesses.

I used to believe only wealthy people could start companies because they had the money saved.

But here’s the truth I wish someone had told me earlier:

You don’t need to fund your business with your own money. 🤯

Businesses are designed to be funded with outside capital.

I grew up poor, so the only model I knew was:

“Work hard → save money → then maybe start something.”

But wealthy founders? Successful entrepreneurs? Most of them didn’t do that.

😲 They used other people’s money to start their companies.

And once I learned this, everything shifted.

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𝐑𝐞𝐚𝐥 𝐄𝐱𝐚𝐦𝐩𝐥𝐞𝐬 𝐨𝐟 𝐇𝐨𝐰 𝐄𝐧𝐭𝐫𝐞𝐩𝐫𝐞𝐧𝐞𝐮𝐫𝐬 𝐀𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐅𝐮𝐧𝐝 𝐓𝐡𝐞𝐢𝐫 𝐒𝐭𝐚𝐫𝐭:

💬 I used a second mortgage on my house ($70K) to start my law firm.

💬 Alex Hormozi maxed out $100K in credit cards before making a profit.

💬 A former boss took out a loan, paid his employees first, lived on peanut butter sandwiches, and didn’t pay himself for 6 months.

Entrepreneurs get creative. Entrepreneurs get resourceful. Entrepreneurs leverage systems that already exist—𝒃𝒖𝒕 𝒏𝒐 𝒐𝒏𝒆 𝒕𝒆𝒂𝒄𝒉𝒆𝒔 𝒖𝒔.

Especially ADHD moms who were conditioned to “play it safe” or “wait until everything is stable.”

Sometimes waiting keeps us stuck. It kept me stuck for 12 years before starting my firm.

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❤️ 𝐌𝐢𝐧𝐝𝐬𝐞𝐭 𝐒𝐡𝐢𝐟𝐭𝐬 𝐈 𝐍𝐨𝐰 𝐇𝐨𝐥𝐝

✅ My business can be funded creatively.

✅ I can allocate resources to scale my business, fund my tech stack for my systems, and hire coaches to teach me what I don't know.

✅ I don’t have to do it the hard way.

✅ I am NOT “irresponsible” or “unrealistic” for wanting to start a business even when life feels chaotic.

✅ I am NOT asking for too much.

✅ I am simply stepping into entrepreneurship the way many successful founders did—with creativity, resourcefulness, and courage.

✅ And my ADHD brain? It’s designed for unconventional paths, pattern-detection, and out-of-the-box solutions. My path doesn’t need to look like anyone else’s.

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🔎 𝐇𝐞𝐫𝐞 𝐀𝐫𝐞 𝐃𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐭 𝐖𝐚𝐲𝐬 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐅𝐮𝐧𝐝 𝐘𝐨𝐮𝐫 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 (𝐔.𝐒. + 𝐠𝐥𝐨𝐛𝐚𝐥𝐥𝐲 𝐟𝐫𝐢𝐞𝐧𝐝𝐥𝐲 𝐢𝐝𝐞𝐚𝐬)

Use this list as inspiration — not all will apply to your country or situation, but creativity is the goal:

1. SBA Loans (U.S.)

Search:👉 “SBA Loans for small businesses” + your state

SBA loans often have:

Lower interest rates
Longer repayment terms
Support for new or micro businesses

Even if you’re just starting, some states have micro-loans or women-owned business programs.

2. Microloans for Women & Minority-Owned Businesses

Many nonprofit organizations offer:

$500–$50,000 startup loans
Flexible credit considerations
Education + support

Search terms:👉 “Microloans for women entrepreneurs [your state/country]”👉 “Microloans for minority-owned businesses [your state/country]”

3. Local Grants

Cities, counties, and states often offer grants for:

Women entrepreneurs
Minority-owned businesses
Small business innovation
Creative industries

You’d be surprised how many go unused simply because no one knows they exist.

4. Business Credit (Yes, even early on)

Some entrepreneurs start with:

0% intro APR credit cards
Business lines of credit
Credit-builder accounts for founders

This isn’t for everyone — but it is a real path many founders quietly use. Talk to the bank you already use personally. They'd be happy to keep growing with you, and you already have an established history with them.

5. Community Banks & Credit Unions

These institutions often: