It's definitely to start a business with little -or even no money- if you're willing to put in the effort. Service-based businesses can be a good option for cash-strapped entrepreneurs, especially if you have expertise in a particular field or already own the necessary tools.  Product-based businesses generally require more capital, but in some cases, you can pursue them by starting a service business and using the profits to launch a product. Typically, you'll have to do all of the work yourself and may have to keep your current job to avoid financial hardship. It's difficult, but most definitely possible.