Every business needs money to continue its operations. It cannot work without adequate funds, as it has to meet working capital requirements, which will include labor costs, costs of transportation, raw materials, and miscellaneous expenses. The simple fact is, an entrepreneur needs to have a constant source of funds from which they can allot resources to meet varied needs. The sad part, however, is the fact that most start-ups are never able to realize the dreams that they may have seen due to a paucity of funds. Many promising prospects are nipped at the bud as the thought of fund-generation worries the owners. Banks and other financial institutions may promise to be helpful, but when the time comes, the plethora of documentation procedures that an owner is made to go through and the strict rules of a bank loan force the owner to decide against it. Furthermore, the long gestation period between the generation of a need for funds and their effective receipt renders it completely useless.