Fill out the required forms and provide documentation. Personal loans with no income verification are available, but they often have sky-high interest rates and short repayment terms.A Personal Unsecured Installment Loan provides you access to the money you need without using your property as collateral. The Florida SBDC Representative will send all application materials to Florida First Capital Finance. How to get a startup business loan with no money: Evaluate assets, consider a cosigner, know the requirements, determine repayment ability.