According to Census data, more than 40 percent of all small businesses started up for under $5,000. Sixty-four percent of entrepreneurs in a recent Intuit survey started with less than $10,000. Obviously, the more cash you have to fund your startup, the easier your life will be during the often hectic first months.

Most cities and counties require home-based businesses to obtain a Home Occupation Permit and if a permit is not required, enquire whether the neighborhood is zoned any home business activity.

Start a business with no money checklist is to keep your present job, work on your business idea, analyze your market and challenges, assess your capital needs, explore crowdfunding platforms, network with people, run a trial, gather feedback.