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.SBA loans and seller financing are the most popular ways to buy a business with no money down. Unique benefits: Lower down payments, flexible overhead requirements, and no collateral needed for some loans. We'll explore creative financing options and negotiation strategies to help you achieve your entrepreneurial dreams without breaking the bank. This guide explores your best options for no-money-down business loans, including the advantages, disadvantages, and application process. Looking to fund your Ohio small business or startup? The 7(a) loan program is SBA's primary business loan program for providing financial assistance to small businesses. I wanted to open a smoke shop in my small town in NC. I do not have the capital to start it outright so will need a loan. To add, I have to proof of income.