Launching a flower shop is not something you can do without any capital. You need to explore your different financing options and carefully analyze all the costs involved with launching your flower shop. You will either have to come up with a down payment for the location you want to purchase or have enough capital available to cover rent for a few months in function of the lease you sign. You will also need capital to invest in supplies and items you will need to run your flower shop, such as a cash register, shelves and any item you are going to need to create floral arrangements.
Cashflow is the blood of your business. Running out can put you out of business even if on paper you are profitable. Using your own savings can be a good way to finance your business, or at least to cover a portion of the capital you need to launch your flower shop. You should also consider borrowing from relatives or close friends. Make sure they understand that there is a risk that this investment will not pan out. The SBA offers loan programs to small business owners. The interest rates are very interesting and the application process is straightforward. All you have to do is contact a participating lending institution and ask about the SBA lending program. You will have to show that you have a solid business plan and that you know exactly how the money you borrow will be spent.