Ask the seller if he or she will be willing to sell it to you on contract. It is important to understand that there are difference stages of financing, and different types of money available for the different stages. It is used for research and development to create prototypes, researching the market and writing business plans. Money for this stage generally comes from personal finances or friends and family. Investors are rarely interested in investing in this early stage.
Startup capital is used to take the business concept to the marketplace.
It pays for initial equipment and all expenses of getting the enterprise underway. Startup money comes from personal finances, friends, family and sometimes investors and banks if the concept is very strong and the management team looks good. Working capital is used for financing inventories, accounts receivable and the cash necessary to operate the business. When a business is perking along quite well, has a good track record for growth, then working capital is the easiest money to attract. Banks are traditional financiers for working capital and factoring companies also play a major role here.