The State:
Money held in a bank account, money-market fund or brokerage account is readily accessible and you won’t have to pay any interest or fees to get it. But it’s not perfect. You might put other goals at risk. Set a limit on how much of your assets you’re willing to risk.
Home equity
Arranging a home-equity loan or line of credit is usually quick and inexpensive for qualified borrowers. You take the cash only when you need it. A home-equity loan has a fixed schedule for repayment. They generally carry lower interest rates than other forms of borrowing. But home-equity debt puts your home at risk if your business fails.
Family and friends
Those closest to you might be happy to lend you money, perhaps at low interest rates. The downside is you can damage relationships if can’t repay. Formalize your loan with a written agreement with interest rates and a payment schedule.
Credit cards
Using plastic for seed money can be expensive because the interest rates are higher than for other types of borrowing. Avoid teaser cards that start out at a low rate and spike significantly within 6 months or so.
Peer-to-peer lending… read on.
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