Most of the conversation around starting a business centers on funding. How do you get the money to start? What grants are available? When can you apply for a business loan?

Those are valid questions. But they skip over something important: a lot of businesses don't need outside money to launch. They need your time, a skill, and a plan.

This is called bootstrapping — and it's how a significant number of successful small businesses got started.

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Glossary: Bootstrapping Building and growing a business using your own resources — time, skills, existing tools — instead of outside funding like loans, grants, or investors. You stay in full control and you start lean.

These seven models are for anyone who wants to generate extra income without waiting on an approval letter.