Here are a few places you can go to obtain money for your business start up:
Peer-to-peer lenders -- Prosper. com and LendingClub. com are two of typically the most popular. These services usually recommend you have a credit rating of 640-600 and higher. The interest rates can range from 6% to 35% with respect to the amount and length of the loan and your credit rating. The important thing to remember is that this is a personal loan so you'll be personally liable if you default.
Crowdfunding - If you've got a business idea that could draw investors, but it's not big enough to attract the big bucks venture capitalists. Companies like Microventures. com help small business start-ups interact with investors. With MicroVentures there is a nominal fee to get going and you will need a business plan. There are other crowdfunding sites where less cash or information is required.
Sell or Pawn Your Stuff - Lots of people have things they don't use. Some of those things obviously have more value than others. If you have luxurious items, jewelry or electronics you can easily make money through selling this items on eBay or pawning them by having an online pawn service like pawngo. The benefit of using the pawn service is that you could eventually get your belongings back.
These services work best for individuals looking to borrow $25, 000 to $35, 000. If you want more you can use a combination of these services to obtain your business off the ground. Never give up in your dream. As the saying goes, if at first you do not succeed try, try again, and in the case of financing your company, that's the best advice you can get.