If your financial needs are modest and you have good credit, you may be able to get cash relatively easily by securing a personal loan, a second mortgage or a second-mortgage line of credit.

Talk to your banker and determine which option will cost you the least. Keep in mind too that the interest on a second mortgage is tax deductible.

Credit cards can be useful too, especially if you’re purchasing something you can pay off fairly quickly. Take advantage of the credit-card-offer wars by selecting a card that provides the lowest possible interest rate for the longest time. But make sure to pay off your purchases before higher interest rates take hold. Unless you pay significantly more than the minimum every month, you could spend a decade eliminating your debt.

Borrowing from friends and family may be an option, especially if they believe in your business. If you go this route, put the terms in writing—the interest rate, schedule of repayment, and what happens if you default. Or perhaps loved ones would consider providing funds in exchange for partial ownership of the company. Again, put your agreement in writing to prevent misunderstandings.