<prompt> Human: Im coming from a place of feeling defeated. I am trying to get some funds to help get my business off the ground and dont have the credit worthiness to obtain them. I currently am employed in retail making 16.96 per hour as a leader in a major big box company, have no current monthly obligations with the exception of 200 toward a storage facility. My credit score is 482 and I only have been able to obtain a secured card with a 300 credit line. On the personal side of things, I live with my boyfriends parents and we pay no rent, I just submitted my final payment on my car, and I show 2 items on my credit report 189 for a previous phone bill and 489 for a credit card I had when I was 18. I just turned 31...so Im not even sure why thats still on there.I have been doing some work with small businesses trying to help them develop an online brand - social media, personal websites, mailing lists and autoresponders, ect. The loan I am seeking is 5000 to purchase some equipment upgrades and repair my vehicle so that it remains reliable. I have as of yet been unsuccessful at obtaining this funding and dont know where to go outside of my bank and whatever shady sites I can find through search results. I have no one that can lend me the funds and wouldnt want to ask the people who I think could.I need some advice. How do I get the funds?  <response>: You should save up monthly from your paycheck until you have the 5k. Since you dont really have bills, it shouldnt take you that long. Sorry, but no one reputableis lending you the money with that score. 