
How To Finance Your Dream Business Without Complicated Investment Or Stress

Turning that business idea into a reality can seem overwhelming, especially when you sit and think about all the money it might take to get things going. But sis, get out of your own head when it comes to business funding. If you have a viable idea or you've been running a side hustle that you'd like to take the next level, the best thing to do is actually get strategic, write down solutions, and act.
We've got you covered to get started. Here are a few ways to finance your business without too much overcomplicated hassle or stress:
1. Get an investor.
The venture capital process can seem a bit intense, and it does involve a lot of moving parts, but that's not the only way to get an investor. Your initial investor could literally be a mentor, former boss, friend, or family member. Sometimes it's just simply someone believing in you and loaning (or even donating) a couple hundred dollars to get your business launched (especially those that are online-based) or a couple thousand as an investor expecting a return within a certain amount of time.
You can also try crowdfunding, where, sometimes, donors are investors in the startup of your business. You'll need to research platforms like Kickstarter or Fundable, for example, to find out which one is right for your funding goals, which would be a good fit for the type of business you're starting, which one has the right site capabilities and the rules or guidelines you have to follow for each. You'll also need to, in some cases, create content, use storytelling, market yourself and your skills, or provide incentives for people to invest in order to successfully reach fundraising goals. (You can find more information on setting up a crowdfunding campaign here and here.)
Think outside the box on this because when it comes to getting startup funds, you really have to be strategic, set a plan, and pace yourself. You'll also need to be clear on what you're offering and to whom.
You also have to be okay with hearing the word no and fine-tune your sales skills in order to get people to buy into your idea. If you're not quite the salesperson or public speaker, partner up with or hire someone who is. Maybe your startup dream includes a co-founder or partner who has the gift of gab, knows marketing, and likes the hustle of pitching a business. A coach or experienced professional can also help you with this. Organizations like Score and the Small Business Administration (SBA) also offer virtual events or seminars that include how-tos in this regard.
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2. Apply for grants.
As cliche as it sounds, there is, indeed, lots of free money out there, especially for women and women of color who have solid business goals and tenacity and actually want to do the work toward building or expanding a business.
For some grants, you'll need to follow protocols, submit paperwork, and do your due diligence in terms of what's required of you once you are awarded the funds. For others, it's simply an application and an award. Period. Either way, free money is worth the effort, and taking the time to apply for a multitude of small grants or a couple of big ones is well worth it.
(You can find a great list of grants for women entrepreneurs here and here, and be sure to keep searching because, again, there are many options if you consistently search and apply.)
3. If it's a side hustle, actually funnel your profits back into expanding the business to become profitable enough for you to quit your job.
If you're looking to quit your job in order to turn your side hustle into a full-time business, be deliberate about funneling the profits from that side business back into it so that it can grow. Avoid the temptation to use that money for things like vacations, a larger home or apartment, or shopping sprees.
Create a budget where you can track how you're using the profits and where you can re-invest in terms of tech products, automation tools, interns, team members, or a larger space to serve more customers so that you can see real results.
4. Use some of your 9-to-5 earnings for funding.
While you're working, create an exit plan (whether is one for the next year, five years, or even 10 years) where you are not only thinking about when you'll have enough money to launch the business (and possibly quit or lessen your hours or responsibilities) but you'll have enough of a cushion to sustain any emergency or other costs or fees associated with launching your business.
You can set aside the money today via savings, investment, or another account so that when you're ready to lease that space, build out that prototype, pay for that website launch and hosting, or hire a team, you have the funds to do so.
If you're a creative, try something like Patreon. While this is not a fundraising platform (I reiterate, it is not), you can use the funds from your followers or supporters to save up for your business or to launch a business that is an extension of what you already do in your day job as a creative.
You might have to sacrifice a few luxuries depending on your timeline, but be sure you're adjusting your plan according to your current lifestyle, responsibilities, spending habits, and other factors so that you can be realistic in your approach to this. Do your research on the overhead and launch costs of your business (here's a good resource) so that you can at least have an idea of how much money you might need at the onset.
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5. Enter a pitch competition.
Many pitch competitions offer thousands of dollars to winners, as well as other resources. Typically you'd have to enter and then go through rounds of basically selling the idea and feasibility of your business to a panel of judges. The qualifications to enter might vary but oftentimes many startups have gotten the financial leg-up they needed to really take their dream businesses to the next level.
And don't just stop at one. Maybe $5,000 isn't enough and you need more. Well, enter more competitions and try your hand at adding to those funds. (You can find more about pitch competition resources here and here.)
As with applying for grants, be diligent, patient, and deliberate in your search, write a list and put them on your calendar---or even create a spreadsheet or Google doc---and take the time to find opportunities both for small and large amounts. Schedule the time to search, get to know the qualifications, find out more about how past winners were successful, and get a coach if you need to.
6. Apply for accelerator or mentorship programs.
The great thing about these programs is that, on top of funding, you get the support and networking you need to really succeed at fully launching your business. While some require applicants to already have been in business for a while, some do not, so get out there and again, do your research. From large companies like Amazon to nonprofits like the Black Owned Media Equity And Sustainability Institute, there are options out there for you to not only get the money you need but the actual mentorship and support.
If you think you don't quite meet the requirements of some of these accelerator or mentorship programs, find out how you can qualify and work toward being qualified so that you can really get in the game and become a success.
(Find out more on accelerator and mentorship programs here and here.)
7. Get a bank loan or use credit.
I listed this one last because I'm not a huge fan of this---as I'm more of a bootstraps-DIY kind of girl when it comes to my approach to launching anything---especially if you've never launched a business before, but if you qualify, you're comfortable with managing your own personal finances well, and you have the resources, go to your local credit union or other bank and apply for a business loan. This can be a great boost for you to get your business off the ground. You can also use funds from a personal loan from a bank you already have a relationship with and apply those funds to start your business.
Don't be afraid of exploring all funding options if you truly want to make your business dream a reality. It takes deliberate effort, confidence in your path and idea, and a willingness to be strategic and relentless in your pursuit.
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'He Said, She Said': Love Stories Put To The Test At A Weekend For Love
At the A Weekend For Love retreat, we sat down with four couples to explore their love stories in a playful but revealing way with #HeSaidSheSaid. From first encounters to life-changing moments, we tested their memories to see if their versions of events aligned—because, as they say, every story has three sides: his, hers, and the truth.
Do these couples remember their love stories the same way? Press play to find out.
Episode 1: Indira & Desmond – Love Across the Miles
They say distance makes the heart grow fonder, but for Indira & Desmond, love made it stronger. Every mile apart deepened their bond, reinforcing the unshakable foundation of their relationship. From their first "I love you" to the moment they knew they had found home in each other, their journey is a beautiful testament to the endurance of true love.
Episode 2: Jay & Tia – A Love Story Straight Out of a Rom-Com
If Hollywood is looking for its next Black love story, they need to take notes from Jay & Tia. Their journey—from an awkward first date to navigating careers, parenthood, and personal growth—proves that love is not just about romance but also resilience. Their story is full of laughter, challenges, and, most importantly, a love that stands the test of time.
Episode 3: Larencia & Mykel – Through the Highs and Lows
A date night with police helicopters overhead? Now that’s a story! Larencia & Mykel have faced unexpected surprises, major life changes, and 14 years of choosing each other every single day. But after all this time, do they actually remember things the same way? Their episode is sure to bring some eye-opening revelations and a lot of laughs.
Episode 4: Soy & Osei – A Love Aligned in Purpose
From a chance meeting at the front door to 15 years of unwavering love, faith, and growth, Soy & Osei prove that when two souls are aligned in love and purpose, nothing can shake their foundation. Their journey is a powerful reminder that true love is built on mutual support, shared values, and a deep connection that only strengthens with time.
Each of these couples has a unique and inspiring story to tell, but do their memories match up? Watch #HeSaidSheSaid to find out!
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As the self-proclaimed “concert queen,” I’ve danced my way through countless venues, basking in the euphoria that only live music can deliver.
From the heart-thumping bass of my favorite hip-hop anthems to the soulful serenades of R&B legends, my adventures have been a harmonious blend of rhythm, culture, and, of course, delectable cuisine. Each festival I’ve attended has been a unique chapter in my live music journey, offering not just performances but immersive experiences that celebrate art, community, and flavor.
Reflecting on my escapades, festivals like Rolling Loud, Roots Picnic, Essence Fest, and One Music Fest have been more than just events—they’ve been transformative odysseys.
The electrifying energy of the crowds, the discovery of emerging artists, and the shared moments of unity have solidified my love for these gatherings. They are living testaments to music’s unparalleled ability to bridge divides and foster a sense of belonging.
As 2025 unfolds, the festival circuit is buzzing with anticipation, promising an array of events that are sure to ignite your musical passions. Whether you’re a seasoned festival-goer or a curious newcomer, here’s a curated list of must-attend festivals that should be on your radar:
Rolling Loud California (Los Angeles, CA) - March 15-16, 2025
Sexyy Red
Scott Legato/ Getty Images
Kicking off the festival season with a bang, Rolling Loud returns to Los Angeles, promising a weekend of unparalleled hip-hop performances. This year’s lineup is nothing short of spectacular, with headliners like A$AP Rocky and Playboi Carti set to ignite the stage. Adding a unique flair, Mexican sensation Peso Pluma joins as a special guest, bringing his distinctive sound to the mix.
Tickets are flying off the shelves, with General Admission passes starting at $179 and VIP options offering exclusive perks for $499. Set against the vibrant backdrop of Los Angeles, attendees can indulge in the city’s eclectic food scene, making this festival a feast for both the ears and the taste buds.
2025 Performers: A$AP Rocky, Playboi Carti, YG, Sexyy Red, Quavo, Gelo, Bossman Dlow, Peso Pluma
2024 Performers: Nicki Minaj, Post Malone, Future x Metro Boomin, YG & Tyga, Party Next Door, Summer Walker, Don Toliver, Bryson Tiller, Big Sean, Sexyy Red
Dreamville Festival (Raleigh, NC) - April 5-6, 2025
Curated by the legendary J. Cole, Dreamville Festival has swiftly become a beacon for hip-hop and R&B aficionados. Nestled in Raleigh’s scenic Dorothea Dix Park, the festival offers more than just music; it’s a celebration of community and culture. While the official 2025 lineup is under wraps, whispers in the wind suggest appearances by heavyweights, making this final edition a grand finale not to be missed.
Ticket options cater to various preferences, with General Admission passes and VIP packages that promise an elevated experience. Beyond the music, attendees can explore Raleigh’s burgeoning culinary scene, with the festival itself offering a smorgasbord of local delights.
2025 Performers: TBA
2024 Performers: SZA, 50 Cent, J. Cole, Nicki Minaj, J.I.D., Lil Yatchy, Schoolboy Q, Sexyy Red, Jeremiah, Rema, Jeezy, Monica, and more.
EmpowHER Festival (Los Angeles, CA) - May 10, 2025
Kehlani
Photo by Erika Goldring/WireImage
EmpowHER Festival isn’t just a festival; it’s a movement celebrating women’s empowerment, creativity, and artistry. Set in the heart of Los Angeles, this one-day extravaganza brings together female artists for a day of unforgetttable performances. While this is the inaugural festival, the incredible lineup includes trailblazers like Kehlani and Jazmine Sullivan making it a must-attend for those passionate about female empowerment.
Early bird General Admission (GA) tickets are currently available at a 20% discount, bringing the price to under $200. As the festival date approaches, ticket prices are expected to increase, so securing your spot early is recommended. For the most up-to-date ticket information and purchases, visit the official EmpowHER website or authorized ticket vendors.
2025 Performers: Kehlani, Jazmine Sullivan, Normani, Saweetie, Flo Milli, and more.
Roots Picnic (Philadelphia, PA) - May 31-June 1, 2025
Curated by the legendary Roots crew, Roots Picnic is a melting pot of music, culture, and activism. Having grooved my way through its vibrant atmosphere before, I can attest to its eclectic lineups that span genres from hip-hop to indie rock. The 2025 edition promises to uphold this tradition, with anticipated performances from both established and emerging artists.
Ticket information and lineup announcements are typically released closer to the event date. Philadelphia’s rich history and vibrant food scene further enhance the festival experience, offering attendees a chance to explore the city’s cultural landmarks and culinary offerings.
2025 Performers: D’Angelo, Meek Mill, Lenny Kravitz, GloRilla, Miguel, Tems, Latto, Kaytranada, Jeezy, Pusha T & 2 Chainz, Musiq Soulchild, The Roots, and more.
2024 Performers: Jill Scott, Lil Wayne, Nas, Victoria Monét, Gunna, Fantasia, Muni Long, Method Man & Redman, Scarface, Amerie, Sexyy Red, Babyface, Wale, Tyla, and more.
BET Experience (Los Angeles, CA) - June 5-8, 2025
Cardi B
Photo by Aaron J. Thornton/Getty Images for BET
The BET Experience is a multi-day celebration leading up to the annual BET Awards, featuring concerts, celebrity panels, and interactive exhibits. Held in Los Angeles, this event captures the essence of Black culture and entertainment.
Details about the 2025 lineup and ticket pricing are yet to be announced, but past experiences have included performances by top artists and exclusive access to industry events, making it a cornerstone event for music lovers.
2025 Performers: TBA
2024 Performers: Cardi B, Gunna, Davido, Sexyy Red, The Roots, Queen Latifah, Common, and more.
Essence Fest (New Orleans, LA) - July 3-6, 2025
Essence Fest, affectionately known as the “party with a purpose,” is a vibrant celebration of Black culture, music, and empowerment. My previous escapades at this festival were nothing short of magical, with its blend of soulful performances, enlightening panel discussions, and a community atmosphere that feels like a family reunion. The 2025 edition is expected to feature a stellar lineup of artists, though official announcements are pending.
Tickets typically range from General Admission to VIP packages, catering to a variety of preferences and budgets. Set in the lively city of New Orleans, attendees can also immerse themselves in the local culture, savoring Creole cuisine and exploring historic sites, making it a holistic cultural experience.
2025 Performers: TBA
2024 Performers: Birdman, Usher, Janet Jackson, The Roots, Mickey Guyton, Busta Rhymes, Charlie Wilson, Victoria Monét, SWV, Frankie Beverly, Tank, Ginuwine, Tyrese, and more.
Broccoli City Festival (Washington, D.C.) – July 12-13, 2025
Victoria Monét
Photo by Kaitlyn Morris/Getty Images
If you’re looking for a festival that brings the vibes and the vision, Broccoli City Festival is it! Taking over Washington, D.C., this two-day celebration is more than just a music festival—it’s a movement. Dedicated to uplifting Black culture, sustainability, and community empowerment, BC Fest blends fire performances with social impact, making you feel good inside and out.
The 2025 lineup is still under wraps, but if past years are any indication (think: Lil Wayne, Megan Thee Stallion, and Burna Boy), we’re in for a show. Plus, with D.C. as the backdrop, you already know the food is going to be top-tier. Expect local eats, poppin’ day parties, and a city full of festival-goers keeping the energy high all weekend long. Whether you’re there for the music, the mission, or just the chance to rock a fly festival fit, BC Fest is a must for your summer lineup.
2025 Performers: TBA
2024 Performers: Megan Thee Stallion, Victoria Monét, Gunna, Kaytranada, Party Next Door, Lil Yaychy, Teezo Touchdown, Fridayy, Skilla Baby, Sexyy Red, Key Glock, and more.
One Music Fest (Atlanta, GA) - October TBA, 2025
As an Atlanta native, One Music Fest holds a special place in my heart. This festival has consistently showcased a diverse array of artists, reflecting the rich musical heritage of the city. While the exact dates and lineup for 2025 are yet to be confirmed, past festivals have featured a mix of hip-hop, R&B, and alternative acts that cater to a wide audience.
Ticket pricing and performer details will be announced as the event approaches. In the meantime, festival-goers can look forward to exploring Atlanta’s dynamic food scene and cultural landmarks, making it a holistic experience that celebrates both music and community
2025 Performers: TBA
2024 Performers: Latto, Gunna, Earth, Wind, & Fire, Nelly, Victoria Monet, GloRilla, Keyshia Cole, Sexyy Red, Ari Lennox, Fantasia, Method Man & Redman, and more.
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