List all expenses needing capital and calendar due dates for paying bills and wages. Payments for purchased materials are usually due within 30 days and utility bills within two to three weeks. Wages are expected within one to two weeks, according to the National Federation of Independent Businesses.

Project when initial revenue will start flowing in to the business. Startups that require more capital should line up intent letters from potential customers. Calculate cash flow conservatively by projecting how many customers may pay later than 30 or 60 days.

Invest even a small portion of personal funds. This strengthens a startup operation's position to attract capital, whether from loans or equity partners. Using personal capital shows a belief in the business concept and its viability to repay loans or investors.

Fund new business operations through equity and debt. Equity financing means there is no loan to repay but investors will want shares of profits. Debt financing may prove less costly if favorable interest rates are found. Acquiring venture capital requires a startup business to display extraordinary innovation.

Investigate local funding resources available through city, county or state economic development departments. In Los Angeles, the Valley Economic Development Council advises and refers startup businesses and holds trainings on financing recommendations.

Assure lending sources of success. "Show your bankers that a loan to you is a low-risk proposition. Come to the meeting equipped with a well-prepared business plan and finance package," said Sylvia Browder with the Women's Business Center, Inc. in Alabama. Demonstrate thorough knowledge of trends in the selected industry.

Compare credit cards on sites like Bankrate.com to find favorable rates--such as zero interest for six months--to fund small amounts of capital. Use loan calculators to easily determine the costs of low-interest and high-interest loans.

Understand all requirements of potential lenders. Small Business Association (SBA) loans may require brick-and-mortar startups to secure locations before releasing funds.

Maintain a favorable personal credit rating or seek a business partner (silent or active) who has a high credit rating. High credit scores assist in securing lines of credit from suppliers. Provide adequate collateral to instill confidence in lenders or investors.