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26 Sources of Capital for Culinary Businesses in 2025 That You Must Know
Briantama Afiq Ashari
Starting a culinary business doesn't always have to start with a large capital. However, you must know where the capital can come from.
Not only from banks or savings, it turns out that there are many sources of business capital that you can consider.
Well, in this article, we will discuss 30 sources of business capital that can help you build and develop a culinary business.
Curious? Let's read this article to the end, okay!
1. Personal Savings
If you are thinking about how to open a culinary business with a small capital, the most realistic first step is from personal savings. Well, savings are the safest and simplest source of capital for a culinary business.
The money is already there, no need to bother with paperwork or paying interest on loans.
It is perfect for those of you who want to immediately execute a small capital home culinary business idea without much drama.
For example, you have savings of Rp3 million, that is enough to start selling snacks, liter coffee, or wet cakes from home. How? Interesting, right?
2. Sale of Assets
Sometimes, to realize the dream of a small capital culinary business, we have to dare to let go of items that are no longer used. For example, you have an old cellphone, bicycle, or even a camera that is idle.
Well, those items can be sold and used as capital for a culinary business. Although the amount is not large, it is enough to start.
Especially if you are targeting a culinary business with small capital and big profits.
3. Investment Benefits
If you have started to become financially literate and have investments in mutual funds, stocks, or even crypto, it can be a savior for your culinary business capital. Just cash out some of the profits, then turn it into business.
Well, this can also be one way to open a culinary business with a small capital that is smart.
Not only can you start a business, but you also learn to manage investment funds into something productive. Interesting, right?
4. Pooling Funds with Friends
A small capital culinary business can be lighter if run with friends. Try inviting close friends to pool capital for a culinary business. You can both contribute funds, share tasks, and of course share profits too.
For example, you are good at cooking and your friend is good at marketing, perfect!
This is one of the smart tricks to start a small capital home culinary business that remains solid financially and operationally.
5. Monthly Salary (Set Aside)
For those of you who still work in an office but want to have a culinary business with small capital, try setting aside some of your salary every month. It doesn't have to be big right away, just be consistent.
For example, set aside IDR 500 thousand per month, in 6 months you will have IDR 3 million for small capital home culinary business capital.
This method is the most stable and safe because you do not sacrifice your main income.
Read Also: Understanding Scale Up: The Key to Growing Business, Here's the Strategy!
6. Loans from Family
Source: Freepik
Not everyone is comfortable borrowing from a bank. Well, if you have a supportive family, you can try to apply for a loan from them. However, remember, you still have to have commitment and responsibility.
With this capital, you can start a culinary business with small capital and big profits, such as selling frozen food or trendy snacks.
7. Credit without collateral (KTA)
If you need more funds and don't have collateral, KTA can be a solution. Many banks or fintech platforms offer loans without collateral with a fast process.
Suitable for those of you who already have a mature plan and want to immediately execute a small capital culinary business idea.
However, make sure you are ready to pay installments and have a clear profit calculation, okay!
8. Crowdfunding
In today's digital era, you can get culinary business capital from the public through crowdfunding platforms.
You just have to present your business concept, target market, and why your idea is worth funding.
This method is suitable for those of you who want to start a home culinary business with small capital, but have a unique concept that is different from others.
For example, selling organic food, vegan, or regional specialties that do not have many competitors.
9. Business Incubation Program
Many campuses, business communities, and government agencies offer business incubation programs for young people who want to start a business.
Usually, they not only provide capital for culinary businesses, but also mentoring.
10. Business Competition (Business Plan Competition)
Source: Freepik
For those of you who are confident with creative ideas and can make solid business proposals, try joining business competitions. The prizes are not only cash, but also access to investors and broad exposure.
Of course, it is very suitable for those of you who have a big dream of building a culinary business with small capital and big profits with a visionary approach.
Who knows, from this competition, your business can be immediately known widely and grow faster.
11. Savings and Loan Cooperative
If you join a cooperative, you can really take advantage of the loan facilities culinary business capital.
The interest is usually lighter than the bank, plus the process is not too complicated.
For those of you who want to know how to open a culinary business with small capital, this is one of the realistic and easily accessible options. Especially if you live in an area with an active cooperative.
Read Also: Prevent Financial Report Fraud with This Technology
12. Business Capital Arisan
Don't underestimate arisan! Now there are many communities that make arisan specifically for business capital.
So, when it's your turn to win, the funds can be used directly to open a business.small capital home culinary business.
What's even better is that you're not alone because you can support each other with other participants.
This could be an initial strategy to make a small capital culinary business that grows with the community.
13. Advance Funds from Family
Talking to parents, older siblings, or close relatives can be a way out. But remember, you have to be responsible and have a clear plan.
This method is very suitable for starting a culinary business with small capital, big profits.
14. Menu Pre-Order (PO)
One of the safest and least risky ways to make culinary business capitalis a PO system or pre-order. You sell the product online first, collect buyers, then start production after the funds are collected.
15. Selling Resellers First
Source: Freepik
If you are still unsure about where to start, you can become a reseller for other people's culinary products first.
The capital is small, but you can learn a lot about the market, sales techniques, and branding.
From there, you can collect your own capital and continue to open a culinary business, small capital big profit your own version.
16. Franchise Partnership Program
Now many food/drink brands are offering partnerships or franchises with cheap packages. Usually they already provide SOP, raw materials, and training. So, you just focus on selling.
17. Side Freelance Income
If you have design, writing, teaching, or content creation skills, you can use the results of your freelance work to make money culinary business capital.
Well, this is a flexible way, can be done while doing other things, and the results can be quite large if you are diligent. Very suitable for those who want to start slowly while saving.
18. Become a Food Dropshipper
Similar to a reseller, but you don't have to hold any stock at all. Just promote other people's culinary products and take a commission from each sale. You can collect the profits so culinary business capital you yourself later.
19. Capital from the Culinary Business Community
Many UMKM or culinary communities not only provide training, but also offer revolving funds. Usually the system is like a cooperative, but more focused on food entrepreneurs.
20. Temporary Pawn of Goods
Instead of selling, why not just pawn it temporarily? Many pawn shops now provide facilities with low interest. Your goods are safe, your business is running.
Well, this could be a solution for those who are still confused about how to open a culinary business with small capital,but have idle assets.
21. Payment System to Suppliers
If you already have a relationship with a food supplier, you can negotiate a time system, buy the ingredients now, and pay next week.
Suitable for those of you who have started a small capital culinary business, but the cash flow is still as thin as spring roll skin.
22. Place a Place to Sell
Have a friend who has a stall or empty space? Invite them to work together or sell with a profit-sharing system. So, you can start a small capital culinary business without paying rent.
23. Sell consignment products
You can make food products and leave them at other people's places, such as coffee shops, campus canteens, or coworking spaces.
No need to open your own place, this system is very minimal culinary business capital, but the chance of a quick return on investment, especially if your product is suitable for students or office workers.
24. Open Micro Investment via Social Media
Just open up an opportunity for friends or followers to invest small amounts, for example Rp100 thousand–500 thousand. Make a transparent proposal, the system is profit sharing. If your idea is interesting, many will want to support it..
25. Collaborate with Local Food Bloggers
You can barter with food bloggers or small food reviewers. Give testers, they help promote. Zero promotion capital, the results can immediately lift orders.
26. Selling via Event or Free Bazaar
Keep an eye on campus events, CFDs, or exhibitions that provide free booths. There are so many! It can be a place for product validation, without having to pay rental fees.
For those of you who are looking for how to open a culinary business with small capital, this is a golden opportunity!
Conclusion
From all the examples above, you can see that a small capital culinary business it's not just a dream. Many of these capitals can be started from small things.It doesn't need to be expensive, the important thing is consistency and intention.
If you are serious, don't forget to prepare a financial strategy too. Sometimes, you need extra culinary business capital to level up. This is where you can take advantage of the solution from ESB Capital.
ESB Capital offers collateral-free financing of up to IDR 500 million. The process is fully online and very easy. Low interest, flexible tenor, and directly supervised by OJK.
For those of you who have used ESB services for more than 6 months and have positive profits, this opportunity is wide open. Not only funds, you will also get access to ESB Orders that can increase transactions by up to 13.5%.
Your business will be smoother and more integrated from the ordering system to financial records.
Ready to build a profitable culinary business with minimal capital together with ESB Capital? Now’s the time to take the leap! Talk to the ESB team today.
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