You could also seek out investors to help fund your start up. Investors will help cover the some of the costs in exchange for a share of the income after it becomes profitable. The first step in this process is to think like a salesmen.
You want to sell the idea of your business in a way that captivates potential investors. You need to be able to put together a well thought out business plan which includes all expenses. You will need to show them how your product or service will be profitable using market data on projected consumer trends. Do not get discouraged if the first few investors you reach out too do not seem interested in your business. Keep refining your approach and putting in the effort and it will pay off.
That being said, there are some downsides to getting investors in on your start up. The main one downside is that you will no longer the sole owner of your company. You are giving up a significant amount of control to the investors. This is something you may want to seriously consider.
As discussed, there are several options for funding a small business. Going for grants is worth a try but the odds of getting one are pretty slim. You can attempt to get investors on board, but investors come with their own complications. So if you will be able to afford repayment, a small business loan may be your best option.