one of the biggest difficulties most new businesses face is raising capital unless we've already got money, we'll have to persuade other people or institutions to part with there's. Some people automatically approach their families. Do think carefully, though, before asking family members to trust you with their life savings. If the business fails, how will you tell them? Another possibility is to find a business 'angel' , someone who is prepared to invest in return for a share in the business. Sadly, angels are in short supply. You can use a cradit card, of course, but after loan sharks this is the most expensive way of financing you borrowing. this leaves us with our bank manager who should be at the top of our list if we want to negotiate a loan.