Flying around and read your post.... I too am a mother of 2 small children, and depending on your biz idea, you may be able to"get creative" to start with $0 down... I started with a free blog and used my design skills, then $7 monthly website and offered custom design services, networked online and my business moves... today I have expenses to build my product, paper, pens, art supplies, printing and other expenses-- but I literally started with $0 down and make part time income --now-- The Merry Bird...pen, ink and design has been flying online for two years and I hope growing stronger. Can you afford not to try? Desire, Patience, and Hope is all you need!