I've been reading Joey Concepcion's Go Negosyo. It features several famous individuals from the business industry. From what I have read, most of them started with small businesses. There are some who availed of small business loans from banks while there are those who started with their savings. I think it really needs a lot of courage to avail loans, whether small business loans or medium-business loans, since getting into business is a big risk. Business is for those who are strong-willed and for those who want to succeed. If you feel that you are in for the challenge, start your business now. There are several companies out there that are willing to help new entrepreneurs. Some offers programs and seminars for additional knowledge while there are those who offer small business loans for your capital. Its better to start early since business is a long way.