If you don't have friends or family to invest in your small business, there are several alternative options to consider. Here are some ways to afford start-up costs for your business:

1. Personal Savings: Utilize your personal savings to fund your business. This may involve cutting back on personal expenses and setting aside a portion of your income to accumulate the required capital.

2. Bootstrapping: Adopt a bootstrapping approach by starting small and focusing on generating revenue from the beginning. This involves minimizing costs, using existing resources, and reinvesting profits back into the business to fuel growth. For example, you can start a service-based business that requires minimal upfront investment or create a minimum viable product (MVP) for a tech startup.

3. Crowdfunding: Utilize crowdfunding platforms such as Kickstarter, Indiegogo, or GoFundMe to raise funds from a large number of people who believe in your business idea. Create a compelling campaign, offer incentives, and promote it through social media and other channels to attract potential backers.

4. Small Business Grants and Competitions: Research and apply for small business grants and competitions that provide financial support to entrepreneurs. Many organizations, both public and private, offer grants and funding opportunities for startups. Websites like Grants.gov, Small Business Administration (SBA), or local economic development agencies can be good resources to find grants.

5. Microloans: Consider applying for microloans provided by non-profit organizations, community development financial institutions (CDFIs), or online lenders. These loans are typically smaller in size and have more flexible requirements compared to traditional bank loans. Organizations like Accion, Kiva, or Opportunity Fund offer microloans for small businesses.

6. Small Business Administration (SBA) Loans: Explore loan programs offered by the SBA, which provides guarantees to lenders, making it easier for small businesses to secure loans. The SBA offers various loan programs, including the 7(a) Loan Program, Microloan Program, and CDC/504 Loan Program. These loans often have favorable terms and lower interest rates compared to conventional loans.

7. Angel Investors: Seek angel investors who are willing to invest in early-stage businesses in exchange for equity. Angel investors are typically high-net-worth individuals who provide capital and mentorship to startups. Platforms like AngelList or local angel investor networks can help connect you with potential investors.

8. Business Incubators and Accelerators: Apply to business incubators or accelerators that provide funding, mentorship, and resources to startups in exchange for equity or a small fee. These programs can offer valuable guidance and networking opportunities while helping you secure initial funding.

9. Peer-to-Peer Lending: Consider peer-to-peer lending platforms like LendingClub or Prosper, where individuals lend money to borrowers at competitive interest rates. These platforms connect borrowers directly with lenders, making it an alternative to traditional bank loans.

10. Personal Loans or Credit Cards: As a last resort, you can consider personal loans or credit cards to finance your start-up costs. However, exercise caution and ensure you have a solid repayment plan in place to avoid accumulating excessive debt.

Remember, it's crucial to have a well-prepared business plan, financial projections, and a strong value proposition to attract potential investors or lenders. Additionally, building a network of mentors, industry professionals, or joining entrepreneurship communities can provide guidance and potential funding opportunities.

Note: While this response provides general guidance, it is essential to consult with a financial advisor or business consultant to determine the best approach based on your specific circumstances and local regulations.