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Where most guys would see a root gathered,Todd Greene has seen dollar signs. As a 30-year-old web designer, working for Los Angeles geocations, Greene's response to hair loss was to shave everything. But he found that the conventional razors were difficult to use on the top of his head. So, at night, after work, Greene has designed a new exotic device that he nicknamed the headblade. He spent two years perfecting the Zamboni contract, which comes with a tiny wheel and a suspension. He kept his brilliant paste, then he started looking for a deep garment partner who was ready to set up the money to produce his invention. Gillette and Schick pushed him. Adventurer capitalists, fixed on the search for the next Uber, laughed in his face.

Greene could have offered there, as many Wannabe entrepreneurs. Instead, he examined enough money from his father, two friends and his own savings to make 500 head heads. He left his job, walked towards the beach of Venice and sold them out of his backpack. They went fast. Twenty years later, the haste is always strong.

About 40% of Americans are independent at some point in their lives, saysScott Shane, Ph.D., author ofThe illusions of entrepreneurship. They are not pinsBill Gates-They simply want to dismiss their bosses and earn a decent life, whether it's a breakfast bed or a fly fishing shop. But most do not do it very far and the reason is usually money. Lack of money. How do you mark the money you will need to stay for another day? For most people, it means putting skin in the game. Maybe you will not have to leave your day work (at least not at the beginning at the beginning), but you will have to draw some of the waterfalls Kamikaze who naturally comes to born entrepreneurs, like flying from your retirement or mowing savings of a product you've invented again. The good news is that if you have the coones to draw such moves, there are many ways to create start-up resources ... things that most people never think of doing. Here are some of the most effective. And who knows? In time, you could join the14 billionaires the youngest in America.

Tony Karklins Won only $ 29,000 a year as a bicycle shop manager in the little rock, Arkansas, but that did not prevent him from pursuing his dream of bringing his crafts in yankee cyclists. One morning many years ago, he went to the local bank of his convertible Saab and offered him a guarantee for a loan. It took the $ 3,700 Grubstakers and the cable to a company in Spain, which sent it 10 exquisite bike frames in return.Within three monthsKarklins had paid the loan (with 8% interest) andin the three yearsIts lock distribution had made the company Spanish Orbea the European brand of European bike the largest sales in America. "I could not find a visionary, so the best thing I can do was falcon my car," says Karklins.

Waiting for this empo-poche visionary can be the biggest mistake committed by first time entrepreneurs. With all the ink reversed on highfliers such as Facebook and Snapchat, you might think that venture capital companies are the main source of money for new businesses. But the largest source of start-up capital is the founder's own savings, says Shane, who has won the federal data on small business financing. More often than not, the contractor comes out of a home equity line and finances his activity with the product. This is a good option due to relatively low interest rates (currently less than 6%). If you do not have a lot of equity at home, an unsecured loan - supported by your personal credit - can be good for a few thousand dollars, but you will pay rates north by 9%.

You still can not increase the money you need? It's time to become creative. In the fierce order of the imprudence (lesser at most): sell this convertible Saab and buy an old drummer. Cash your holiday days. Borrow from your life insurance policy. Max on your credit cards. Borrow against your 401 (k). This is how the success of rolled entrepreneurs and big-time investors will expect a sign of commitment. "We are looking for entrepreneurs who have invested as much personal wealth as possible in society," saidWilliam Paynean angel investor. "If he did not do it, I ask him," Why should I invest in your business when you did not do it? "

If all this makes you dry, look at the good side: you may not need as much money as you think. The average companies cost only $ 25,000 to start, says Shane.

Don Sandusky andMichael O'Neilllearned that the difficult way. After leaving DuPont giant chemicals, they were wasted months trying to collect $ 2 million to build a factory to create specialized rubber gloves. Desperate to pay invoices, they started consulting sports equipment manufacturers on the side. Soon, they found an innovative way to prevent bullets from deflating and dismissing Spalding technology, which now uses it in footballs and sneakers. Sandusky and O'Neill use royalties to design their own sports equipment. "Flexibility is your biggest asset to be a start-up," says Sandusky.

The sale of Sandusky to Spalding illustrates another point: large companies need small guys to survive. They need your innovative products and services, and they are richer than you. Use this to your advantage: If you attach a fly that Bonefish can not withstand, but your last name is not Cabela, sell the model to Orvis.

Your customers or suppliers can also "lend" you cash through business financing. Offer a discount to customers or customers who pay you at the front or suppliers who are willing to wait for an additional month for payment. This may seem trivial, but cash flows retain lively businesses long enough to grow.

WhenRich Adams Ditching his work from Silicon Valley to design bicycle frames in his hometown of Wilkes-Barre, Pennsylvania, his families celebrated by helping him help him. His father confirmed the money to buy the building in which he and his partner,Tom Jones, set up around the bikes of the city. And his uncle, who once possessed a ceiling and tiling business, helped him prevent the building. "This support system was essential for me to start," says Adams.

The family and friends are an excellent source of starting money because they will often require lower yields than banks or will help to trivialize your project in exchange for a modest tranche of society. But keep in mind that blood and money do not always mix. Make promises that you can not accomplish and you will be in tense thanksgiving dinners. The best way to ensure that companies seduce business consists of formalizing the agreement with a waterproof contract that everyone accepts.

If your nearest and most expensive can not help you help, try crowdsourcing for money on Kickstarter.Alex Kalempa's The lateral business of motorcycly manufacturing were neutral when his bank offered him only $ 5,000 and wanted to charge nearly 13% interest. But the loan club lent him $ 15,000 to 9.6%. "It was a divinity," said Kalempa, a company jet technician of Slinger, Wisconsin. "I can continue to go and develop the company."

The average JOE is also an excellent source of offline money. It's a myth that most "angels" investors are rich, says Shane. WhenMatte cheney, a charlotte animal guardian, North Carolina, wanted to buy a dog toilet van, the banks rendered it. Then a customer,Bruce CarrollRead about Cheney's plans in his client newsletter and offered, unrefined, to lend him money. No rich man, Carroll: he took out a line of equity at home to raise the money. Cheney offered to pay him a slight premium on the cost of the loan.

True entrepreneurs are always jostled for money and they are comfortable with risks associated with risks. At 30,Glenn Paul had won more than $ 2 million by selling the computer distributor he had co-founded. But he always used credit cards and home equity lines to finance his third company, a photo sharing and printing site called dotphoto. He also raised money from all other imaginable sources. The only thing that works is persistence, says Paul. "It is supposed to be this methodical process that starts by writing your business plan in such a way. But in fact, it's a very messy business. You keep getting fences every day."

[ED Note: A version of this story appeared in the July 2008 issue ofBetter life.]

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