SBA loans and seller financing are the most popular ways to buy a business with no money down. 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. You could lose a significant amount of money if you do not investigate a business carefully before you buy. California Hard Money Direct provides Riverside hard money loans with fast funding for commercial and non-owner occupied residential investments. There are both government and private sector programs available all across California for those who need help with their down payment requirement. You can use an SBA loan for acquiring existing businesses. Or try a more traditional bank loan for business financing. We'll explore creative financing options and negotiation strategies to help you achieve your entrepreneurial dreams without breaking the bank. The Riverside County FTHB HOME Program is designed to provide assistance to lower income persons in the purchase of their first home.