SBA loans and seller financing are the most popular ways to buy a business with no money down. We'll explore creative financing options and negotiation strategies to help you achieve your entrepreneurial dreams without breaking the bank.King wanted to purchase the business but explained that he could not afford to pay the entire amount in cash. You can buy a business with no money down. It's a Contrarian approach that takes time, research, and an investment in your own negotiation skills. 1. Borrow the Money. One of the most flexible no money down strategies to take is borrowing the money from someone in your personal network. The answer in short, is creativity. You will likely need to find a seller who is willing to finance at least a portion of your purchase. Gather your bills (utilities, insurance, etc.) and pay stubs.