{"id":9278,"date":"2023-02-26T09:01:00","date_gmt":"2023-02-26T14:01:00","guid":{"rendered":"https:\/\/www.sage.com\/en-ca\/blog\/?p=9278"},"modified":"2023-02-23T09:25:33","modified_gmt":"2023-02-23T14:25:33","slug":"how-to-start-a-business-with-no-money","status":"publish","type":"post","link":"https:\/\/www.sage.com\/en-ca\/blog\/how-to-start-a-business-with-no-money\/","title":{"rendered":"How to start a business with no money"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--has-illustration entry-header--has-illustration--generic\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-ca\/blog\/category\/money-matters\/\" class=\"entry-header__link\">Money Matters<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tHow to start a business with no money\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \">Published <time class=\"entry-date published\" datetime=\"2023-02-26T09:01:00-05:00\">February 26, 2023<\/time><\/span><span class=\"reading-time\"> min read<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"How to start a business with no money\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/en-ca\/blog\/how-to-start-a-business-with-no-money\/\"\n\t\t\tdata-share-text=\"Please read this interesting article\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Share<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copy Link<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copied<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n\t<\/header>\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/en-ca\/blog\/author\/staceymcintosh\/\">\n\t\t\t\t<img decoding=\"async\" alt=\"\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2018\/11\/Stacey-McIntosh-350-1.jpg\" class=\"entry-author__image\" height=\"40\" width=\"40\" fetchpriority=\"high\" \/>\t\t\t\t<span class=\"entry-author__name\">Stacey McIntosh<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<p class=\"\">What do Hewlett-Packard, Subway and Mattel have in common? Besides being global brands, they\u202f<a href=\"https:\/\/www.americanexpress.com\/en-us\/business\/trends-and-insights\/articles\/4-gigantic-companies-that-started-from-nothing\/\" target=\"_blank\" rel=\"noreferrer noopener\">all began<\/a>\u202fwith almost no startup capital.&nbsp;<\/p>\n\n\n\n<p class=\"\">Starting a business with no money might seem like a daunting prospect.\u202fBut, with a little planning, it\u2019s often perfectly feasible.&nbsp;<\/p>\n\n\n\n<p class=\"\">In fact, learning how to start a business with no money can be a positive thing. It means you won\u2019t dig into your savings and will have to be lean, creative, and entrepreneurial.&nbsp;<\/p>\n\n\n\n<p class=\"\">Read on for everything you need to know about how to start a business without money. Here\u2019s what\u2019s covered in the article:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"#can\">Can you start a business with no money?<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#choose\">Choose a low-cost business model<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#calculating\">Calculating your business costs<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#minimize\">Minimize your outgoings<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#plan\">Plan for cash-flow<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#find\">Find investment if it&#8217;s needed<\/a><\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"can\">Can you start a business with no money?<\/h2>\n\n\n\n<p class=\"\">Yes, it\u2019s possible to launch a business without any money at all.&nbsp;<\/p>\n\n\n\n<p class=\"\">Assuming you have marketable skills and already own some equipment, you should be able to start generating an income.&nbsp;<\/p>\n\n\n\n<p class=\"\">This might include things like:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cleaning&nbsp;<\/li>\n\n\n\n<li>Dog walking&nbsp;<\/li>\n\n\n\n<li>Delivery services&nbsp;<\/li>\n\n\n\n<li>Repairs&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"\">That said, most startups require at least some money\u2014but you don\u2019t need vast amounts. Almost <a href=\"https:\/\/firstsiteguide.com\/startup-stats\/\" target=\"_blank\" rel=\"noreferrer noopener\">60% of startups<\/a> have less than $2,500 during the start up phase.&nbsp;<\/p>\n\n\n\n<p class=\"\">If you have a job or are receiving financial aid, you might want to set money aside and launch once you have a suitable buffer.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"choose\">Choose a low-cost business model<\/h2>\n\n\n\n<p class=\"\">If you don\u2019t have ready access to cash, you\u2019ll want to choose business model that doesn\u2019t require much money to get started.&nbsp;<\/p>\n\n\n\n<p class=\"\">It usually costs far less to start a service business than a company that sells products since your income is generated by your skills and time, rather than from physical items that you need to make, buy, or store.&nbsp;<\/p>\n\n\n\n<p class=\"\">Low-cost service businesses include things like:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tutoring and training&nbsp;<\/li>\n\n\n\n<li>Consulting&nbsp;<\/li>\n\n\n\n<li>Photography&nbsp;<\/li>\n\n\n\n<li>Writing and editing&nbsp;<\/li>\n\n\n\n<li>Translation&nbsp;<\/li>\n\n\n\n<li>Graphic design&nbsp;<\/li>\n\n\n\n<li>Digital marketing&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"calculating\">Calculating your business costs<\/h2>\n\n\n\n<p class=\"\">If you\u2019re thinking about\u202f<a href=\"https:\/\/www.sage.com\/en-gb\/blog\/ready-to-start-a-small-business\/\" target=\"_blank\" rel=\"noreferrer noopener\">how to start a business<\/a>\u202fwith no money, it\u2019s a good idea to calculate your expected costs. This will give you a savings target, so you have enough money to launch comfortably.&nbsp;<\/p>\n\n\n\n<p class=\"\">Typical startup costs include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Marketing and branding:\u202f<\/strong>Whether it\u2019s printing fliers, building a website, or using a designer to create a logo, you\u2019ll need to spend money promoting your business.&nbsp;<\/li>\n\n\n\n<li><strong>Registration fees:<\/strong>\u202fCosts vary for <a href=\"https:\/\/www.forbes.com\/sites\/allbusiness\/2021\/12\/06\/the-cost-of-incorporating-a-startup-business\/?sh=63f9bb37769e\" target=\"_blank\" rel=\"noreferrer noopener\">the US<\/a> and <a href=\"https:\/\/www.canada.ca\/en\/services\/business\/start\/register-with-gov.html\" target=\"_blank\" rel=\"noreferrer noopener\">Canada<\/a>, and by state or province, so you will need to check your local government\u2019s website for fee costs.&nbsp;<\/li>\n\n\n\n<li><strong>Assets:<\/strong>\u202fThis is all your equipment and inventory (if you hope to sell products). It\u2019s things like your computer, office supplies, raw materials, and more.&nbsp;<\/li>\n\n\n\n<li><strong>Costs:\u202f<\/strong>This includes fixed or regular costs involved in running your business such as office rental, staff salaries, subscriptions, and website hosting.&nbsp;<\/li>\n\n\n\n<li><strong>Professional services:\u202f<\/strong>This may involve services that you outsource, such as bookkeeping, patents, and business insurance.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"\">Draw up a list of all the possible costs your business might incur for the launch itself, as well as outgoings for an average month.&nbsp;<\/p>\n\n\n\n<p class=\"\">Try to be as realistic as possible here\u2014it\u2019s always better to overestimate costs than be surprised later on.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"minimize\">Minimize your outgoings<\/h2>\n\n\n\n<p class=\"\">If you\u2019re looking to start a business with no money in the US, it\u2019s essential to keep you costs as low as possible.&nbsp;<\/p>\n\n\n\n<p class=\"\">Here are some simple steps you can take:&nbsp;<\/p>\n\n\n\n<p class=\"\"><strong>Work from home<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"\">Starting a business from home with no money is much less expensive than renting an office, warehouse, or shop.&nbsp;<\/p>\n\n\n\n<p class=\"\">It also minimizes your travel costs.&nbsp;<\/p>\n\n\n\n<p class=\"\"><strong>Use free or cheap online services<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"\">There are plenty of free services online that can be used to cut costs.&nbsp;<\/p>\n\n\n\n<p class=\"\">You can build a basic website for free with services such as WordPress or Wix and effectively market your business through the likes of Facebook or Instagram.&nbsp;<\/p>\n\n\n\n<p class=\"\">You can also find people to do many tasks for you at a low rate through websites such as Fiverr and People Per Hour.&nbsp;<\/p>\n\n\n\n<p class=\"\"><strong>Get free equipment<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"\">Most businesses require at least a computer to get running. You may already have one, but it\u2019s often possible to find free equipment using websites such as FreeCycle.&nbsp;<\/p>\n\n\n\n<p class=\"\">You may also have a friend or relative who can loan you gear until you have enough money to buy your own.&nbsp;<\/p>\n\n\n\n<p class=\"\">Otherwise, try to cut back on your personal spending when starting out. It might mean less fun for now, but it should pay off in the long run.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"plan\"><a href=\"https:\/\/www.sage.com\/en-ca\/blog\/better-business-with-cash-flow-clarity\/\">Plan for cash-flow<\/a><\/h2>\n\n\n\n<p class=\"\">Did you know that the\u202f<a href=\"https:\/\/www.cbinsights.com\/research\/startup-failure-reasons-top\/\" target=\"_blank\" rel=\"noreferrer noopener\">second-most common<\/a>\u202fcause of business failure is running out of money?&nbsp;<\/p>\n\n\n\n<p class=\"\">If customers don\u2019t pay their bills on time, you won\u2019t be able to pay yourself or your staff (if you have any) either.&nbsp;<\/p>\n\n\n\n<p class=\"\">And this is even more critical if you\u2019re starting a business with no money.&nbsp;<\/p>\n\n\n\n<p class=\"\">You might want to take on a part-time job to ensure you can still pay your rent and bills to begin with. Or, if you already have a job, try to run the business during your evenings and weekends.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"find\">Find investment if it&#8217;s needed<\/h2>\n\n\n\n<p class=\"\">Some types of business are simply impossible to start without any money. That may include businesses in the manufacturing, technology, construction, retail, or hospitality industries.&nbsp;<\/p>\n\n\n\n<p class=\"\">In this case, you might want to consider getting a loan or seeking out investment.&nbsp;<\/p>\n\n\n\n<p class=\"\"><strong>Bank loans<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"\">You might be able to get a business loan from a bank, although this may be hard if you have no collateral at all.&nbsp;<\/p>\n\n\n\n<p class=\"\"><strong>Government grants and loans<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"\">Your government, state, or province will offer financial support incentives\u202ffor certain industries and regions so make sure you bookmark your local government\u2019s website.&nbsp;<\/p>\n\n\n\n<p class=\"\"><strong>Bank of Mom and Dad<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"\">Family and friends may be willing to provide you a loan free of charge, or for a share of your company.&nbsp;<\/p>\n\n\n\n<p class=\"\"><strong>Crowdfunding<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"\">There are various crowdfunding websites\u2013such as GoFundMe and Kickstarter\u2013which allow people to either donate money or buy small shares in your idea if they like the sound of it.&nbsp;<\/p>\n\n\n\n<p class=\"\"><strong>Angel investment<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"\">This is often associated with technology startups. A wealthy backer\u202f<a href=\"https:\/\/www.sage.com\/en-gb\/blog\/create-a-business-plan-wow-investors\/\" target=\"_blank\" rel=\"noreferrer noopener\">invests in your business<\/a>\u202fin return for shares.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Know how to start a business without money<\/h2>\n\n\n\n<p class=\"\">Learning how to start a business with no money is your first step on a journey to being your own boss.&nbsp;<\/p>\n\n\n\n<p class=\"\">With planning and a bit of luck, being short of cash shouldn\u2019t be a barrier to business success.&nbsp;<\/p>\n\n\n\n<p class=\"\"><a href=\"https:\/\/www.sage.com\/en-ca\/blog\/better-business-with-cash-flow-clarity\/\">Try our free cash-flow calculator to ensure you&#8217;re on the right track!<\/a><\/p>\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Subscribe to the Sage Advice Newsletter<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p class=\"cta-content__title\">Get a roundup of our best business advice in your inbox every month.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-8949a954-88b2-43bb-8b8a-77c53eb34350\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Subscribe<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-1073797282-1440x810.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-1073797282-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n<section class=\"more-topics alignfull has-grey-light-background-color wp-block-sage-post-topics\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col col-12 col-lg-4\">\n\t\t\t\t<h3 class=\"more-topics__title h2\">Browse more topics from this article<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"col col-12 col-lg-8\">\n\t\t\t\t<ul class=\"post-tags__list\">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-ca\/blog\/tag\/business-finances\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tbusiness finances\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<div class=\"alignfull wp-block-sage-related-posts\">\n\t<section class=\"related-posts card-grid has-dark-background-color\">\n\t<div class=\"container\">\n\t\t\t\t\t<div class=\"row\">\n\t\t\t\t<div class=\"col\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--featured h1\">Explore more wisdom<\/h2>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"row related-posts__featured\">\n\t\t\t\t<div class=\"col card-grid__item\">\n\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-0 post-14512 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters category-technology-innovation tag-bookkeeping tag-business-finances tag-cash-flow tag-digital-transformation tag-payment-processing tag-small-business business_type-small-business card-post--is-clickable\"\n>\n\t<div class=\"card-post__media-wrapper\">\n\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-1307905756-1440x810.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-1307905756-684x384.jpg 684w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-1307905756-768x432.jpg 768w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-1307905756-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"card-post__content\">\n\t\t\t\t\t<div class=\"card-post__label\">Recommended<\/div>\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-08T12:20:34-04:00\">June 8, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">14 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h3\">\n\t\t\t\t\t\t\t<a\n\t\t\t\t\tclass=\"card-post__title-link\"\n\t\t\t\t\thref=\"https:\/\/www.sage.com\/en-ca\/blog\/invoice-automation-boosting-efficiency\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tInvoice automation: How to boost efficiency and get paid faster\u00a0\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\n\t\t\n\t\t\t\t\t<p class=\"card-post__description\">\n\t\t\t\tSpending too much time chasing invoices and not enough time running your business? Invoice automation reduces errors and the time spent on manual invoicing tasks so you can get paid faster. Learn how invoice automation works, why it matters for your cash flow, and how to set it up. \t\t\t<\/p>\n\t\t\n\t\t\t<\/div>\n\n\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"row related-posts__non-featured\">\n\t\t\t\t<div class=\"col col-12\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--more h4\">More on this Topic<\/h2>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-1 post-12911 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters tag-bookkeeping tag-business-finances tag-cash-flow tag-financial-insights tag-how-to-grow-your-business tag-small-business tag-staying-competitive tag-trending-news business_type-small-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-ca\/blog\/what-is-petty-cash\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-1280373749-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-1280373749-684x384.jpg 684w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-1280373749-768x432.jpg 768w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-1280373749-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2025-05-01T11:04:00-04:00\">May 1, 2025<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">10 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tWhat is petty cash?\u00a0\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-2 post-12909 post type-post status-publish format-standard has-post-thumbnail hentry category-strategy-legal-operations category-trends-insights tag-bookkeeping tag-business-finances tag-business-intelligence tag-cash-flow tag-data-analysis tag-electronic-payments tag-financial-insights tag-midsized-business tag-small-business tag-staying-competitive business_type-small-business business_type-medium-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-ca\/blog\/scenario-planning\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0678-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0678-684x384.jpg 684w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0678-768x512.jpg 768w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0678-1214x810.jpg 1214w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2025-05-01T09:00:00-04:00\">May 1, 2025<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">12 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tScenario planning: What it is, how it\u2019s used, and its benefits\u00a0\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-3 post-12865 post type-post status-publish format-standard has-post-thumbnail hentry category-strategy-legal-operations category-trends-insights tag-business-finances tag-business-intelligence tag-how-to-grow-your-business tag-inventory-management tag-midsized-business tag-small-business tag-staying-competitive tag-supply-chain-management business_type-small-business business_type-medium-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-ca\/blog\/fifo-vs-lifo\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-1181223319-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-1181223319-684x384.jpg 684w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-1181223319-768x432.jpg 768w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-1181223319-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2025-04-18T09:39:00-04:00\">April 18, 2025<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">7 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tFIFO vs LIFO: Key differences, formulas and examples\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-4 post-12767 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters tag-business-finances tag-business-intelligence tag-business-strategy tag-cash-flow tag-how-to-grow-your-business tag-midsized-business tag-payment-gateways tag-payment-processing tag-small-business tag-supply-chain-management business_type-small-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-ca\/blog\/negotiating-payment-terms\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-586880525-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-586880525-684x384.jpg 684w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-586880525-768x432.jpg 768w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/04\/GettyImages-586880525-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2025-03-20T07:08:59-04:00\">March 20, 2025<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">9 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tHow to negotiate payment terms with your suppliers\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Starting a business with no money might seem like a daunting prospect.\u202fBut, with a little planning, it\u2019s often perfectly feasible.\u00a0Read on for everything you need to know about how to start a business without money.<\/p>\n","protected":false},"author":346,"featured_media":9279,"menu_order":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"sage_hide_published_date":false,"sage_hide_read_time":false,"sage_hide_share_buttons":false,"footnotes":""},"categories":[7],"tags":[266],"business_type":[3],"lilypad":[],"context":[],"industry":[],"persona":[],"imagine_tag":[67],"coauthors":[317],"class_list":["post-9278","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-matters","tag-business-finances","business_type-small-business"],"sage_meta":{"region":"en-ca","author_name":"Stacey McIntosh","featured_image":"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2023\/02\/GettyImages-1124688944.jpg","imagine_tags":{"67":"Small business"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice Canada English","distributor_original_site_url":"https:\/\/www.sage.com\/en-ca\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/posts\/9278","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/users\/346"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/comments?post=9278"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/posts\/9278\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/media\/9279"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/media?parent=9278"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/categories?post=9278"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/tags?post=9278"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/business_type?post=9278"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/lilypad?post=9278"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/context?post=9278"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/industry?post=9278"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/persona?post=9278"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/imagine_tag?post=9278"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/coauthors?post=9278"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}