The amount in question is a paltry sum. If that's all that's stopping you from starting your own business, quit. Walk into a bank and ask for a loan. You can get an SBA backed loan for 10K with moderate to good credit and no collateral. You can also just get a credit card with a 10K limit and a 0% APR offer, and transfer the funds to your checking account. Of course, all of these mean taking on the risk personally ... but if you're not willing to do that, you really have no business running a business.