Every day financial pundits smugly tell you how to invest, but never tell you how to get the capital to invest. Well, luckily for you, I’m not like other financial pundits and I know where to find cash for a business.  I should warn you that this isn’t a magic trick either. There’s no abracadabra nonsense. Instead, my advice is to find money that you aren’t using now. You’re probably saying to yourself or the computer screen that it can’t be that easy, but trust me, it is.

Here’s one way to grow your business capital: just save. Yeah, you’ve heard that one. But listen a bit more and you will get the point. Let’s say you own a retail store and it’s doing well. You want to expand. In order to do so, you need capital. If you were to wait to save the money necessary to open another store, it might be too late. It could take years and the momentum you had gained could be nonexistent by then. So, what are you to do?

Well, you could borrow money, or potentially sell shares in or a part of your business to an investor. But if your business is growing, you want to do everything you can to protect your shares, the ownership percentages of your business. You don’t want to start giving this away. But it’s also important to remember that most small businesses are started by entrepreneurs who put their own savings at risk to get started, or borrow against a personal asset like their home, or what’s called “bootstrapping.” What’s your best choice? Rusty Shelton, founder and CEO of Shelton Interactive, knows this approach well: “I bootstrapped each of the businesses I have started and that brings a special kind of cash flow challenge because there isn’t a huge backstop in terms of cash (or gas for the engine). As such, I approached growth with a bit more of a measured approach to make sure I didn’t get too far over my skis.” Do you really want to take on more personal debt? Another option a lot of business owners use is credit cards for cash. But that’s not ideal. They have high-interest rates that usually require a high turnaround payback. It just adds more stress to an already stressful situation.

Well, this is thinking a little outside of the box but what if you asked your vendors? It’s a win-win for them. You’ll borrow money from them, pay it back with interest, and in return also be purchasing more of their goods to sell. Abracadabra. That’s one solution.

Another is looking toward big customers. They already believe in your product, so why not sweeten the deal for them and make them investors. They’ll be rewarded in the long-run financially while they help you grow your business. Abracadabra, again.

Don’t think it will work?  It does.  I’ve done that in my businesses and have helped others do it in theirs.  And there are more ideas!  The secret for finding more money is just looking in unconventional spots and being creative. There’s no magic tricks or secret chants. For more tips on how to find cash in unlikely situations, visit alzdenek.com.