Start-up funding is hard to obtain, but considerably more difficult for an
industry like construction. Even if you are able to get financing, any lender
including your bank is going to require that you be heavily invested with
your own capital as well. Do not expect to go out and raise 100% of the
money, otherwise everyone in the country would be trying to do that. A
startup loan can get you across the finish line when your own capital falls
just a tad bit short.

Hi there, in addition to the advice from CSDIII and BizResearcher, check out this blog on 6 tips for borrowing startup funds from friends or family. You may also want to look into a microloan to see if you are eligible. Good luck!

Most start-ups are financed by the business owner's personal funds or loans
from family and friends. You may want to discuss your business plan with a
counselor at a small business development center or a SCORE office in your
area. Their services are free and they can recommend how best to proceed.

As CSDIII mentioned, if you apply for a bank loan, your personal financial
situation and your experience in your industry will be primary
considerations. A bank will not lend you 100% of the funds you need. They
expect you to invest a portion of the costs yourself.

I hope this message finds you well,

For a start up business, you may want to consider applying for an SBA 7(a)
loan with your community or relationship bank first. Start up lending is very
hard to procure, so make sure to make a proper request by having an
understanding of your personal finances, as your personal finances will be
the revenue under consideration for debt service payments. Good luck!

Kindest Regards,

Ps. O.H.I.O!