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19 Businesses Without Capital PDF
19 Businesses Without Capital PDF
19 Businesses Without Capital PDF
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Hey, thank you for downloading this e-book and a big congratulations!
You‟ve shown that you‟re not part of the crowd who don‟t like to take
actions that can change their lives. You‟re willing to make that change that
your generation will be glad for.
Going into business is not a yardstick to leaving your paid job. It‟s not a
way to hit back at your boss or to prove a point. If you‟re not fully ready
for it both “mentally, physically and financially”, I‟ll advice you don‟t take
the plunge. Stick with your paid employment and be a good employee.
Everywhere that I go, I meet people who often complain about how what
they‟re earning is not enough, how they would have finished the previous
month salary before the end of the present month, how they couldn‟t get a
job and they don‟t have what to do to earn a living, how life is miserable.
They talk about money, money and money. If the way they talk about
money is the way they make money, they would have been
millionaires.
“A lot of people are already doing the business that I love to do.”
In short, they give one million and one reasons why they can‟t get another
stream of income.
The people are not comfortable with their financial state yet they
lack the internal energy and conviction to make a change that
they desire.
The answer to these responses is what you‟ll find in this book. There are a
lot of businesses you don‟t need capital to start. A lot of them.
You may have heard about the businesses in this book and feel you need
big money to venture into them. What I’ve just done for you is giving
you a smart way to go about them.
NOTE: nothing works if you‟re not going to work it. These businesses are
not for lazy souls who are expecting miracles to happen while they fold
their hands doing nothing. But if you can put in the mental and physical
work, I promise you it‟ll work.
Get yourself composed. Get yourself into the right frame of mind and have
a positive attitude as you read through. Come out of your shell. Brace up
as we enter into the beautiful world of business.
I do hope you find the book interesting and impactful. And hopefully you
get started with your entrepreneurial journey.
Good luck!
Tayo Aladetoyinbo
1. TRAVEL AGENCY
This is one of the businesses that I love so much because of the high
demand it commands. A lot of Nigerians, I mean a lot of them travel
outside this country.
Just go to the two most used airports (Lagos and Abuja), you‟ll confirm my
point. And the good thing about the business is that you don’t
need capital to start. This may be hard for you to believe. All you need
is wisdom on partnership and marketing.
Get a reputable travel agency, go to their office and tell them you want to
work with and/or for them. Get all their travel packages and prices;
negotiate their prices as per an agent. Most of the times, they can give you
up to 30k discount….then charge your own price.
Your price must not be too much from their own, for example, if they do
United State visa for 150k and they give you for 120k, you can decide to
put your price at the same 150k or say your own is 160k. It all depends on
how smart you are and how you can convince clients.
Caution: there are a lot of challenges in travel industry. You have to know
about this so as to be ready for them when they come up. One of the
challenges is that there are a lot of impersonators in travel industry. You
must recognize them and avoid their traps.
This is the reason why you must work with a reputable travel company and
you must not be greedy of gain too. Make sure you have integrity.
People without integrity often sleep inside the police station on regular
basis which I don‟t wish for you. But if you do your homework well, you
can make a lot of money in this business.
2. REAL ESTATE
There is a house in your neighbourhood right now for sale or that needs
occupant and all you need is just to act as the agent. Get somebody to buy
the house, buy the land or rent the apartment and pocket your 10% or 5%
commission.
Imagine you can get a buyer for a 5 million naira house….that is 500
thousand naira commission at 10%. What if you can sell a house for 30
million naira, you have 3 million naira cool cash.
Some people are looking for land for farming now and you have access to
land more than what they need. You just need to be what I call “The
Connector”. Connect the buyer with the seller and collect your
commission.
This is what some people do that you‟re wondering what they are doing for
a living that they‟re riding big jeeps. Because you see them go out late in
the morning, and they come back before closing hour, you think that
they‟re “thieves”.
My financial mentor, Tayo Ayinla, an Abuja based real estate developer and
a business man, the CEO of Wisetrust International Limited started real
estate without capital. They now have estates in Nasarawa State, Makurdi
and Enugu. He taught me the same principle which I‟ve used to start
Mavilla Properties. www.mavillaproperties.com
Real estate is a goldmine and you don‟t need capital to start. All you need
is to get somebody to put you through and roll your sleeves and get down
to work.
Development
Brokerage
Lending
Property management
3. DIGITAL TRAININGS
This is a business model that has to do with you training people through
digital channels either through video apps, social media, WhatsApp etc.
- Marriage counseling
- Dating advice
- Relationship tips
Beauty:
- Skin care
- Hair care
C.V writing, vaginal problems, stretch mark and acne, stock trading,
premature ejaculation, baby care, fashion, project writing, photography,
make-up, crypto currency, bookkeeping, parenting, business plan writing,
grant writing, Bitcoin, cooking, web design, graphics design, real estate.
The list is endless.
Most of the times we have what can be translated into money but
the hardest part with us is how to actually translate it into money.
The best way to make money now is through digital. Covid-19 has taught
us that. A lot of people are begging for money now because they can‟t do
business because of the lockdown. But some of us who understand digital
training are making money in the lockdown.
I was just receiving alerts inside the lockdown. I trained the 718 people at
the comfort of my room not lifting any load.
All you need to start this business is your phone, your brain (that is, what
you already know) that you didn‟t know can make money.
This business model is what you can start now. All you need is how to go
about it. We have a course that will put you through to start this business
and start making money with digital training.
The course is called Brain Money Academy. Everything you need, from
how and where to get information to repackage, mistakes to avoid, how to
become an instant expert, how to hypnotize people to buy your information
etc. are all in the course.
4. CAR DEALERSHIP
Car dealership is a business where you sell cars of different types, models
and specification. You may be wondering how you can start without capital
considering the fact that a unit of a good car starts from 800k and above.
Don‟t worry, I‟ll show you the exact model you can use.
Go and meet a car dealer with a good track record, introduce yourself to
them. Tell them you want to partner with them….that you want to be
helping them to sell their cars.
Ask for everything you need to know about the company: their branches,
addresses, year of business registration, the team, their brochure etc. and
get yourself familiar with these things.
If you know how to use the new media (Facebook, Instagram, YouTube,
WhatsApp, Snapchat etc) for marketing, you‟re ready for this business.
They will be willing to do business with you. After all, what every
business needs is more sales.
And since you‟re not going home with their cars, there will not be issues as
touching whether you‟re a „419‟ (fraudster) or whatever can bring
suspicion. Their cars will be with them….you just bring customers to them
and make your own money.
Get the prices they sell their cars, ask them how much they‟ll give each to
you. Most of the times, you can get from 50 to 100k as profit. And all you
need is to have a good picture of each, start doing your marketing on your
phone using WhatsApp and social media and bring them the sales.
But if you have little cash, you can create a website where you display
these cars and write articles on different cars, their parts, maintenance and
services. You can even meet more than one car dealer.
But don‟t do more than 3 good ones. That‟s how you start selling cars
without spending a dime on buying one.
NOTE: for some of these businesses, you need to first learn their language
because you don‟t want to look as a novice to customers or as someone
who doesn‟t know what they‟re doing.
Know different cars, how many plugs they have, and year of production;
know everything there is to know about each car such that when you‟re in
a discussion with a customer, they‟ll think you were part of those who
made the car. You understand that kind of knowledge.
5. DIGITAL PRODUCTS
There would be situations when you cannot sell your physical products. It
happened to everybody during the Corona Virus pandemic. Even if you
decide to open you shop, who is going to come out to buy your goods.
I just did a cover page design. I went to the notes in my document and I
converted it to a PDF format. My book was ready. I didn‟t spend a dime to
produce this beautiful book you‟re looking at. That is the good side of a
digital product like this.
Another beautiful thing was that while I couldn‟t make money from my
physical businesses due to the lockdown, I was making money through the
digital products.
Immediately I released the e-book, people started buying. The fun and the
rewarding part is that long after I‟ve taught the class, people were still
requesting from the book.
Those who bought the book and saw the value and resources packed in it
started telling their friends about it, how it‟ll help their businesses and
finances. It‟s still selling. This is the beauty of digital products.
You can convert your digital trainings to:
E-book
Coaching
Consulting
Group mentorship
Online course
All these can happen at the comfort of your house. And you don‟t need
capital. All you need is your phone or laptop and your brain. That is all.
6. E-COMMERCE
E-commerce is a billion dollar industry. There‟s no limit to what you can sell
using this business model. How to start the business without capital is to
partner with people who are already into the business.
Get the images of the products they sell and help them sell it. Most of us
have plenty contacts on our phone and all we use Whatsapp for is to
upload pictures on status, watch other peoples statuses and chat.
Rather than wasting the many contacts you have, sell something to them.
Even though there‟s no much gain from those little things you sell, it‟s a
good place to start. You can also partner with the Ecommerce giant like
Jumia and Konga.
There are other ways to do Ecommerce with other people‟s money. But
you‟re going to need money to set up a website, do some advertising on
Facebook or Instagram. The scope of this book is limited to how you can
do it without capital or to reduce your cost to almost zero.
Get people who are into it, collect the images of the products they‟re
selling at the moment and start marketing them on your WhatsApp and
social media.
7. WEBSITE DESIGN
There‟s a big demand for website designers as there are just few of them
around. This is skill you can learn within a month if you‟re really serious
with it and start making from 25k and above even as a starter that is not
yet a professional.
Why you‟re going to be making 25k and above is because you‟re just
starting out and you‟ve not yet mastered some technical aspect. Once you
become a master at it, you can start charging from 75k and above.
From the basic to master level can take you 6 months. You‟re upgrading
for that 6 months and you‟re making money alongside. Website design
doesn‟t need capital….all you need is readiness and seriousness to learn
the skill.
With two or three rich videos on Youtube on HTML 5 and CSS3, which is
like the basics, you‟re good to go. You can also focus on how to design a
Wordpress site as more than half of the world website is on Wordpress
platform
8. MOTION GRAPHICS
This is one of the skills in high demand online as online consumption has
sporadically increased from written and audio content to video content.
With your own creative ability, you‟ll start making money immediately
because there‟s high demand for motion graphics experts because they‟re
few compared to graphics designers.
Some of the software you need are: Adobe Photoshop, Maya 3D,
Adobe Illustrator, After Effects, Cinema 4D etc.
9. PRINTING
I‟ve done printing without having a machine and I‟ve made money from it.
Good money.
There are a lot of weddings, burial ceremonies and birthdays in Nigeria and
they‟ll use invitation card, programs, jotters and other printing souvenirs.
All you need is get a good printing company, get their prices and their past
jobs on your phone. These jobs that they‟ve done are what you‟ll be
showing people.
Don‟t show the side that has their phone numbers and address or else
you‟ll lose such a customer. Just show them the quality design, the neat
binding etc. and give them your price.
Or better still, you can have a little design on your phone that shows your
address, phone number and all. Instead of showing the company‟s contact,
you could show your own.
You need a lot of things to know here so you can sound professional. From
different types and sizes of papers to colours to different machines and
equipment etc.
The good thing is that you can know everything in two weeks if you really
want to do the business. And the company will be willing to tell you
everything as long as they know it‟s a win-win situation.
If you know how to market well, you can get a printing contract that can
make you hundreds of thousands of naira. The beautiful part is that, as
you‟re getting jobs and taking to the company, you‟re indirectly learning
the trade. In no time, you can raise money from the jobs you‟ve done and
start your printing company fully.
10. GRAPHICS DESIGN
You can start a business in graphics designing today. There are a lot of
videos online on this subject matter that you can watch in a day and you‟re
in business.
And after starting from his friends, his clients increased and his price also.
He charges from 30 US dollars on Upwork presently.
All you need is a laptop or an access to one. You also need an access to
internet connections to aid your learning and growth.
You can also be a middleman. Many graphics designers don‟t know how
to access good jobs; they really don‟t know how to market themselves.
Once the designer has agreed on a price, you put your cut and ensure the
job is done. The best way for this to work is never to directly connect your
designers with clients. You must always be the middleman.
The problem actually is not lack of money. It‟s lack of readiness to give
something up. We want something for nothing most of the times. And it
doesn‟t work like that anywhere in the world.
11. DATA ANALYSIS
Apart from the popular research carried out by final year students in our
various tertiary institutions, there are research being done on daily basis by
different organization….and they need data analyst to analyze the data
gotten from the field.
This is a big business that you don‟t need capital to start. You don‟t need
an office or business registration. All you need is a good knowledge of
SPSS (Statistical Package for the Social Sciences) and other data analysis
software.
The good part of this business is that it doesn‟t affect your current business
or job. It‟s something you can do by the side.
This is another business that I know you can do without capital. Do you
give attention to details? Do you like organizing things around you? Do you
know where to get things at cheaper prices?
Or have you organized events before either small or big, no matter the
nature of the event? If your answer is yes to those questions that I asked,
you‟re good to go.
My wife and I planned our wedding and cut our expenses by 50%.
We wrote a book on it: How You Can Plan Your Own Wedding And Cut
Your Expenses By 50%.
Start with your family and friends. Talk to them that you‟ll plan their event
that they don‟t need an event planner. Do the budget for the event….this is
where bulk of the work lies. Get the things needed and organize them
accordingly.
For example, if it‟s wedding, you‟ll need to pick colours for them if they‟ve
not done that, look for who will decorate the venue, look for the baker who
will bake the cake, get the photographer, the DJ or life band, talk to people
who will supply the drinks and bottled water, get ladies who will be ushers
for the day….and everything needed.
When you make money, you can now register your business and join event
planners association for other privileges. Make sure that you do the events
of your family and friends as if you were paid for it.
If you can learn this skill, you‟re not going to be poor again in your life.
According to Payscale survey, the current annual salary of App developers
is to reach 66,915 US dollars. That is huge.
You can learn mobile app development at edX, Udacity, Google Developers,
Udemy, Treehouse, Code School and you can watch free tutorials on
Youtube
If you noticed, I‟ve been mentioning places where you can learn things for
free and start making money with the free learning. This is not
encouraging you to always be a free taker.
You can start with free but you can’t continue with free. You’ll
need to invest into premium trainings.
The reason you‟re making money with free is not for you to start eating
with all your hands, rather it‟s to set aside a portion of it towards the
development of the skill.
14. COPYWRITING
If you‟re good in joining words together, not just words but enticing words
that can sell a product, copywriting is the way to go.
What you need is to learn the dynamics, how to do it and you‟re making
money with written words. You don‟t need to be a distinction student in
English Language to learn copywriting.
Even me I didn‟t have a distinction in English Language. But I‟ve written
long pages of sales letter that converted for me like crazy.
Another reason why I like copywriting is that anybody can learn the skill.
Go to any freelancing site you know and see how much a copywriter can
earn. I don‟t want to mention a specific amount. I want you to see for
yourself.
I‟ve taught 718 people this skill within 10 days who have started applying it
in their personal businesses, making more sales than before and some of
them are into freelancing making money on sites like Fiverr, Upwork,
Freelancer etc.
The book comes with many examples and 5 bonuses that will turn
you to an instant expert in copywriting and marketing generally. And you
can start making money with it and build on it as you continue in it.
15. SMALL BUSINESS CONSULTING
Have you done business or businesses and you‟re successful at it? Then
you can start a consulting firm. You don‟t need any special certification for
now… all you need are those experiences you‟ve used to start and grow
your own business.
But that alone will not be enough. You need to understand topics like:
Business model
Business ethics
Human Resources
Marketing
Operations
Finance
If you‟re good at these subject matters, you can start a small business
consulting today. A lot of small business owners don‟t know how to drive
sales to their business. Just look for a gray area in any of the areas above
and create a solution in it. As a small business consultant, you can work
with 20 clients at a go.
More businesses are surfacing by the day. These businesses need funds to
start or to grow. But there is no financial institution or an investor that
you‟ll approach for fund, the first thing they‟ll ask you is your business
plan.
The good thing about business plan is that it can be learned. But how
many people are willing to sacrifice their time? If you can take your time to
learn the rudiments of a good business plan, you can start the business
today and even get your first client today.
17. TUTORING
Are you good in a particular subject especially subjects that students find
difficult to pass? Then you can start this business today.
But you don‟t need that for a start. I have a friend who has more than 500
students and each of them pay 1k per month. Do the calculation.
Do your due diligence about this business and you can start today. You
don‟t need a building or tutors for a start. You can be teaching the
students in their house especially you‟re truly good at the subject you‟re
teaching.
18. SOCIAL MEDIA MARKETING
The goal of every business is visibility (to be seen) and sales. And both of
them can be achieved via the instrumentation of marketing. Common
among these instrumentations of marketing is social media.
That is, using social media platforms such as Facebook, Instagram, Twitter,
Snapchat, Youtube, Linkedln etc. to create brand visibility and sales. You
do not need money to start a Social Media Agency.
All you need is the technical knowhow which you can read or watch videos
tutorials to learn. There are a lot of businesses online who need somebody
to manage their social media pages for them.
A lot of businesses need somebody who can help them drive sales via
Facebook advertising, Instagram, YouTube and all. Learn these skills and
start making money. This is how to start.
Go to traditional businesses around and approach them that you can help
them build their online presence. You can offer a trial period of 1 month for
them to see the result that social media can bring for them.
Having mastered one platform, approach your friends who are doing
business that you can help them develop their Facebook business page to
five or ten or twenty thousand likes for example or you can help them drive
quality leads to their ecommerce store etc. they‟ll be glad to let you.
This business model has made me over N200,000 ....and you don‟t need
capital to start. What I'm about to show you is a business model I call
"First Person Leverage" (FPL).
This particular business model doesn‟t need a startup capital. I know you‟re
wondering….I‟ll show you how to go about it in a moment.
On getting there, the woman I met said it'll cost me 25k. But we eventually
reached a compromise for 22k after "plenty talks."
When I got there, the woman that I met said it's 25k. The same price with
their office in Osogbo.
Then, it just occurred to me that I could use the First Person Leverage
for the business name registration business.
I told the woman that I help people to register their business and that I've
come from Osun State. "I'll get you plenty jobs, let's talk business."
Long story short, I negotiated the Enterprise to 16k (what they told me 22k
at Osogbo) and the Limited Liability Company to 50k....later got it for 40k.
And then, I registered Rotlad Agency and Services. This didn't have
anything to do with me getting clients. I didn't even use it for the new
business. I only used my integrity.
I register Enterprise for 25k and Limited for 70k....I've done limited for 85k
before. That is 45k profit.
And you know the best part, I didn't leave my house. Everything happens
on my phone. You send me your details on WhatsApp, I forward it to the
CAC person (the First Person) on WhatsApp.....pay her, take the rest
(the Leverage).
When your certificate is ready, she sends it through a driver to me. I never
have to leave my house to make 45k.
To do a full-fledged company, the one you call Limited, you can charge
between 60 and 80k depending on the competition in your area. For
limited, I make between 20k and 35k per one.
If you can do limited just 4 times in a month at 20k profit, which is visible
if you do your marketing well, you can be making 80k and above in a
month. It doesn‟t affect your business or job. Everything will happen on
your phone.
You must be able to recognize opportunities; it‟ll separate you from the
crowd.
INTERNATIONAL PASSPORT
The exact template I used for business name registration was what I used
for international passport. Go to the immigration office in your area;
approach a staff you see at the desk (not security, not people walking
around). Meet the right people.
Talk to them that you want to be giving them jobs….that they should give
you their prices. Make sure that before you go, you have an idea of how
much people pay so you can negotiate better.
They‟ll give you their prices, compare other places prices to have a good
deal. Once you have their prices, you can fix your own prices based on
that.
The only way you can make good money on international is when there‟s
an express job. Somebody wants to get it in two or three day, you charge
them.
Most of the times, they don‟t mind because they need it urgently. People
who just want to use it to open a bank account don‟t mind to wait for three
months.
BONUS
This is a form of marketing where you partner with the creator of a product
and sell for them. As an affiliate, you can make up to 70% of the product‟s
price. It all depends on what the creator is willing to give his/her affiliates.
You might have heard that you need to set up a landing page, drive traffic
to it and sell your affiliate offer or write a presell article. This might not be
far from the truth.
But there‟s a way you can go about it that will not cost you money. You
can market the product on your WhatsApp or social media.
Since you‟re not going to be writing a sales letter that can push people to
buy, I‟ll advice you don‟t go for products beyond the capacity of your circle.
This is what I mean, if your circle are just students or people who are still
dependent, and you go to market a product that is N10,000 and above,
you may not make a sale. And you must not also go for products that they
don‟t need.
What you‟ll get is a code that you will paste on your WhatsApp or social
media. Once a sale is made through the link, you‟ll be paid your
commission either on a weekly basis or monthly basis.
CONCLUSION
Thank you for reading to the end. What you‟ve just read are 19 businesses
you can start without capital. Go over it again and look for the one that
suits your personality and start it.
Out of the 19 businesses, you should be able to see 5 to 10 that you can
pick from. Please, make sure you don‟t put mountain where there‟s no
mountain. Be positive.
Be ready to pay the price. Be willing to act and you‟re on your way to living
the life of freedom.
The book comes with examples and 5 bonuses that will turn you into an
instant copywriter and marketer. It’ll help you drive sales into your
business like crazy.
I'm the founder of Mavilla Properties, a real estate portal where real property
sellers and buyers meet. www.mavillaproperties.com
Twitter: @Taladetoyinbo
Website: www.tabusinesshub.com