In the last 14 years I have had so many people say there are grants out there to help finance a business. And I have so many more ask me where that grant-financing money is at. In all that time I have never found a grant that finances the start-up of a business.
There are federal training programs that subsidize part of the wages for a new, qualified employee who is provided on-the-job training and works permanently full time for your company. There are also federal tax incentives to provide the same employment and training conditions for new hires. But I do not know of programs designed to provide investment capital for the start-up and operation of the enterprise.
If you simply do not have sufficient collateral, good credit and/or cash to finance the start-up of your venture, you need to begin looking for a partner or partners who have the finances, desire to participate in this type of start-up and need the skills and ideas you possess to make the business work.
The only alternative that I can think of is to seek refinancing or a home improvement loan (second lien) on your home, if you own it. If you are determined, it is likely the partnership alternative may be the best way to go. Otherwise, you may need an “angel” investor.