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If you do not have money, you have time and an internet connection as your capital to start an online business.

”I do not have money to start a business.” That is an excuse or cry of many people who want to start a business online but do not know how or what business to start.

To start a business, you need capital. Capital in its real sense is not just money. As much as capital can be financial, it can also be time, skills, or anything other than money that you need to start a business.

If you are reading this online, you already have the basic requirements needed to start an online business. The requirements include; time, a computer or smartphone, an internet connection, basic reading and writing skills, other online skills, and of course effort.

If you do not have the skills you want to start an online business, worry not. You can learn them in a short time. The internet is full of free content on blogs and YouTube that is good enough to get you started.
It is important to note that most of these businesses you can start online without money will not make you an instant millionaire.

However, they drive you from zero to step one. From step one, you will have enough skills and a decent amount of money to reinvest in your business and scale it to make millions of money.
Without further ado, here are the online businesses you can start without money;

Online businesses you can start without money.

1. Consultancy.

If you have expertise in a certain niche, you can position yourself as an online consultant. With a simple website, you can get started writing about your field of expertise. provides free websites. You can start with a free site and upgrade when you get money. It also has affordable packages going as low as $4 per month.

If you do not want to start with a website, social media is a good place to start. In fact with social media, you will spread like wildfire if you pour out rich content that people can share, comment on, and like.
Signup on Facebook, Twitter, Instagram, LinkedIn, or any other social site you like and pour out content on your account.

Give free content that is rich enough to attract an audience but also limited enough to leave them wanting more. It is then that they can pay for your services to get more content from you.

Become an online consultant

Delilah Benton of started small teaching women how to make money online from home. She now runs a big consultancy business online.
If you have a skill in personal development, public speaking, law, therapy, finances, travel, etc, consultancy is one cash co you can milk.

You can earn a minimum of $1000 as an authoritative consultant online. With time, a year, you can gro to $10,000 per month.

2. Sell other people’s stock.

While at University, I made a significant amount of money online selling other people’s stock. I went to wholesale stores and asked for permission to take pictures of shoes. I would then post them on Facebook and Instagram. I shared the link in Facebook groups of local communities near me. Orders came in and I earned a profit.

If you have access to the internet, you have access to an online community that will be willing to buy from you if you deliver a product to them and they pay you cash.

I earned an average of $800 per month.

3. Virtual assistance.

Give yourself time to master all the dynamics of social media. Learn how to use Facebook and Twitter. Master how to write engaging content online. If you can also learn social media marketing, you will do great earning money for offering services as a virtual assistant.

There are free tutorials on YouTube about social media marketing, how to grow a social media account, how to write engaging content etc. The good news is that all this can be mastered in less than a month.

Look out for companies online to which you can sell your services. Give them a good pitch of what you can provide and how better you can make their social media and online presence. You can also sell these services on freelance platforms like Upwork, Fiverr, etc.

If you sell your virtual assistance services, you can make %1000 to $20,000 depending on your client.

4. Affiliate marketing.

Affiliate marketing is when an online retailer pays you a commission from sales made from the leads you sent him/her. To make money with affiliate marketing, you need to have an online following and a platform that attracts traffic in the first place.

It can be a blog, YouTube channel, or your social media accounts where you share some rich engaging content that people come to access. It is that same traffic you send to a retailer as leads that convert into sales from which you earn a commission.

Make money online with affiliate marketing.

Your initial investment here is content, it can be advice, comedy, podcast talks, etc. Anything that can get you attention online can be used to earn with affiliate marketing.

You will make a lot of money selling a product aligned with your content. Aaron Marino makes money earning affiliate commissions from products of men. He is a men’s lifestyle influencer. Affiliates earn from $200 to over $100,000 depending on the amount of traffic you get and the type of products you deal with.

5. Sell online courses.

If you are an expert in something, it is easier than ever before to make money online teaching people. All you have to do is package lessons into a course and sell them online. Platforms like Skillshare offer free sign-up for teachers or instructors who want to teach online. It then pays them when students attend their classes.

If you do not have enough equipment to design an online course, you can use social media to find potential students who you can coach online using skype or zoom. You can charge them a fee to attend your classes.

Check out some online course ideas you can start with on Skillshare to make money.

On skillshare you can earn at least $1000 a month with a right skillshare course money making strategy.

6. YouTube account.

In 2017 I wanted to start a YouTube channel but pulled out because I thought the platform was too saturated and competitive for new channels to thrive. I should have been brave. I have seen accounts that started as early as ten months back grow to over 200,000 subscribers and millions of views with basic videos they recorded using their average phone cameras.

YouTube is still a huge opportunity to exploit. You can start a YouTube channel in a specific niche and make money from it. Even though it doesn’t pay off soon and requires hard work with patience, the yields are worth it.

You can make money on YouTube selling affiliate products and from YouTube adverts. It is also a great platform to sell your services or products. Some of the best products you can sell on YouTube are digital products.

If all your videos get at least 20,000 views per day you can earn $1000 to %2500 per month.

7. Blogging.

Don’t let folks lie to you that blogging is dead. Unless you plan to blog about something no one knows and would not want to know about. Blogging is still one of the top online businesses online entrepreneurs use to make money online.

Come to think of it, how many times do you search for something on google? If someone didn’t write about it would you have the answers? Of course not. That’s how important blogs are and to this day they answer all rising questions.

Find a niche that you are passionate about and start a blog about it. Invest your time, knowledge, and patience into growing the blog then thank me later.

Blogging is still a great source of money online.

You can access free blog sites on a lot of platforms like WordPress. And if you want free pictures for your posts, sights like provide free stock images.

If all your blog gets at least 20,000 views per day you can earn $1000 to %4500 per month.

8. Become a freelancer.

If you can write, design websites, transcribe, do graphics design, excel, video edit, and hundreds of other easy skills, you can make money starting your business on freelance platforms without investing a penny. The freelance market or gig market has blossomed to over $204billion as of 2019 and is expected to reach $450billions by 2024.

Many freelancers have turned down 9 to 5 jobs or resigned because of the money they make from the gig economy. You have your share of money waiting for you in the freelancers’ world.
Sign up on Fiverr, Upwork,, and other platforms to start making money.

One thing to note is that it requires effort and patience to make a significant income as a freelancer. Start with the low-paying gigs and deliver the best service. It is the reviews from these low-paying gigs that will qualify you for high-paying gigs where the real money is.

If you go on to bid for high-paying gigs without building your profile, freelancers with good profiles will beat you out of the bid.

If you grow your profile on freelance platforms, you can a six figure income freelancing. It does not take long if you get good reviews.

9. Become a web designer.

Gone are the days of sitting down the whole day to write blocks of code in the name of designing a website. It has become easier than ever. If someone tells you he is a web designer, do not take them for a genius. It is no longer a game of computer geniuses.

With a drag and drop, you can design a website that is high quality and functional. All you have to do is watch the free YouTube tutorials on how to design a website and then try designing one. You will be good to go in less than a week.

You can then market your new skill as a web designer. Not many people know how easy it has become to design websites so they will pay you hundreds if not thousands to design one for them.

For a three page website you can charge $500. this can be done in a day.

10. Become an influencer.

Influencer marketing has become one solid form of marketing companies use. It is a form of marketing where companies pay people who have strong influence online to endorse a product or service. Influencers usually influence specific niches or fields.

The more specific your niche is, the easier it becomes to get gigs. Take for instance if you usually post on your social media platforms about traveling and have a huge following, hotels, tour and travel companies, lodges, etc will pay you to advertise for them.

Earnings here depend on the size of your audience and the product you are dealing with. They can be very lucrative however. Some influencers earn as much as $1000 for just a tweet of 280 characters.

It will require you to invest in quality content to grow a huge following but with the right strategy, you can do that in a few months.

Final thoughts. There you have it. A list of ten online businesses you can start without money. With only an internet connection, time and some easy-to-learn skills, you can earn a lot of money online and change your life. Find one or two online businesses you can do and give it your best.