Three Ways To Get Business Capital

Among the key factors in starting a business are capital. The capital required for doing business is usually divided into three: Initial Capital, Working Capital and Operating Capital. Although we all are aware of all types of capital, some still ask, “Calculating the capital is always easy. The problem is, how to get capital?” You may also think the same.

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This is an interesting topic, as many are facing difficulties in raising capital for business. For example, if someone wants to start a laundry with his own machine, he needs a capital of RM20,000. If he has a sum of RM3,000, how can he find the remaining amount of capital?

Your own capital

First of all, if you want to start a business, you can use your own money. You can use your own money, either from bank deposits, or by selling your property. For example, many sell motorcycles to make business capital or sell their own jewellry.

Selling items to add capital is normal. Importantly, do not be too fond of selling assets to increase capital. For example, if you have no money for business capital and are forced to sell your jewellery, just sell it. When your business results in later, you can buy better jewellry again. Right?


Making a loan as a business capital is also one of the most frequently taken measures, such as SME loan. Through a loan, your business can usually be established more quickly. Borrow is better than waiting until the money is enough. However, as your capital stems from lending, you need to be careful with cashflow. This is because you have to repay the loan. You may need to repay the loan on a monthly basis, twice a year or on a yearly basis.

With regard to loans, many people are too concerned about how they can get a loan, but do not think about what they need to do to repay the loan. When making a loan, try to figure out how to repay.

You should not be too opitimistic to get great returns in business in the first few months. If necessary, make a more pessimistic budget. From the pessimistic estimates, you’ll be able to assess whether you’re able to repay the loan or not.

Joint venture

Instead of running a business with your capital alone, or from self-financed loans, you can also do business partnerships with people. Through partnership, your business risk is reduced as you share it with other business partners. But business profits should also be shared. That is, risks are shared, profits are also shared.

The problem is if you want to do business in a shared way, who wants to work with you? This depends on your ability to profit from the business offered. But the profit advantage alone is not enough. You need a good strategy and are not arrogant with people you are invited to work with.

Additionally, if possible, you need to provide a realistic, simple, and unremarkable description of profit to your prospective partner.


So now you know how to get business capital. Hopefully you make the best choice of the three options that have been discussed.