This article - Loans for Business Owners with Poor Credit - may give you some insight into alternative solutions.  Unfortunately I didn't see the link to where to get the unsecured, no questions asked loans. Another popular of method of starting up with little to no capital is through bootstrapping.  You can read more about bootstrapping here. Bootstraping seems to be just another word for credit. As I have mentioned before I am not able to pay bills I already have. If I were able to get money through credit cards I would be able to pay the bills I have now. I don't even have any credit cards, and can't get any either. I can't express enough that I have absolutely no assets, credit cards, nothing of any value to sell (except for sex on the street corner) and nowhere to draw money from.

phanio wrote: Even if you don't qualify for a traditional loan - there are non-bank equipment loan/lenders that work with startup companies that don't qualify with their bank. OK, I don't know of any non-bank equipment loan/lender at all. Would they lend money unsecured? Also to some one with very little credit history and what there is not good. I also have a unpaid cell phone bill for about $150 for about 6 months now. I also have another unpaid bill of about $1800. I have no property, not even a car at this point, nothing to secure any loans. phanio wrote: Here are some other thoughts - can you work somewhere else for a few months to earn the $1,000 to $2,000 you need to get started? Can you work part-time for someone else while starting your business part-time? This would be my preferred method but in a small town like this there are no real jobs. I haven't even been able to find work to pay my bill's as of yet. I even had an add in the white sheets (local paper) for carpet cleaning because I have a machine for that. I got 2 jobs from it but I just cant afford the $40 for another add. I had a add in another lesser known paper that was half the price and lasted 2 months but never received one call from it. phanio wrote:Have you looked in your area or got out and networked in your area looking for other people that might be interested in partnering or investing in you and your concept. Yes, I have talked to a few people about this and they like the idea, but just like me everyone is tight for funds. Everyone wants to and is willing to work for me, they too need money. I could have a whole crew together next week if I only had a business to employ them at. I hope some day be able to do just that. phanio wrote:What about pre-selling your produce to local markets and stores. You get the funds up front to start - then deliver the goods when they are completed - or even ask them to finance you to get started - offer them discounts and well as pay backs. I will need to think about this but I am very weary of selling produce that is not grown yet. There are so many things that can go wrong, and with no guarantees that can leave me owing much more than I already do. Also the small scale operation would be limited to what space I have in the backyard to grow. So I wouldn't really have enough to supply any markets. We also don't have any small markets here in town. They are all large chain markets like Albertsons and Safeway, and they get there produce from their warehouses. For the small scale operation I would start selling at the local farmers market. Its not actually a farmers market, they call it 'Market on Main' they only have one produce seller and they tell me he is kind of flaky. He doesn't show up all the time and they are really hoping I can. They only rent you the space and you go down and sell to the public, so there is no one to pre-sell to. It will be at least 3 months once I get it going before there will be anything to sell, if everything goes well, and as planed. Message Edited by NicoleD on 12-11-2009 04:43 PM

Well, I guess my only real option is to simply wait until I can somehow earn the startup money, sense there is no way to get a loan I need. I can continue to look for inverters but seriously doubt I will find anyone with money to spare. That doesn't leave much left for options. I have tried to contact the Sunshine Lady but have not received any reply as of yet. I also understand that they don't accept direct requests, but just consider referrals from something called the sunbeams. They seem to be geared toward giving grants for education and women's organizations. Message Edited by HydroFarms on 12-17-2009 06:07 PM

Again any type of loan is highly doubtful and no one has been able to let me know where they would lend money unsecured? Also to some one with very little credit history and what there is not good. I also have a unpaid cell phone bill for about $150 for about 6 months now. I also have another unpaid bill of about $1800. I have no property, not even a car at this point, nothing to secure any loans. The only place I would be able to get a loan is from somewhere that does not check credit history at all, and does not require anything of value to secure against the loan. I don't know of any place like that, and so far no one has been able to let me know where one exists. That is the problem with any loans.