Startup Finances How To Raise Small Business Loans And Grants. Deciding to set up a business is easy enough. You have the business idea, and you know how to implement it. The problem, however, is raising the money to get the ball rolling. There will probably be less of a problem if you already have enough money lying around to invest in your own business, but if you are strapped for cash, or your money is not enough to cover the whole startup process. #cleverism