Do you want to start your business in 2023? Don’t worry and don't be afraid. You can start now. There are many small capital business ideas that you can choose from and do.

Starting a business does not always need a large capital. You can start with small capital. After you feel that it is going well you can start expanding it.

Here are some business ideas with small capital that you can do. These businesses are everlasting businesses, so it is worth trying this 2023. Here are the following details:

1.  Snack Business

Culinary is an industry that will always have customers. You can pursue it. There are different types of businesses in the culinary industry that you can choose from. One of them would be the snack industry.

You can create snacks that are known and liked by many people, or trending snacks such as crackers, cake or tart, frozen food, pudding, etc. You can create as delicious as possible, at an affordable price. As the key to a successful culinary business is in the delicious taste of its products.

You can start selling the products at home or consignment to a store or shop. However, you can also sell your products online so that they would be easier and more accessible to more customers.

2.  Handicraft Business

Don’t waste your talent in creating handicrafts. Make it a business that you pursue in 2023.

Handicraft is always in demand by its customers. You just have to choose the type of craft that you master or are liked by many people. With this, it would be easier for you to see it.

If you are producing your own product, you can use materials that are affordable and easily sourced. This can push lower cost of production so that there would be lower capital. For example, the craft that you can make includes bags that are made up of recycled materials or natural materials, flower vases with paintings, etc.

3.  Automotive Business

Motorcycles or cars are part of Indonesian daily needs. Therefore, you can start your business in the automotive industry as there would be a lot of people who need it.

From the different types of automotive businesses, the motorcycle workshop can be an option. As compared to car workshops, the capital needed would be lesser as lesser space is needed.

If you have mechanical skills, you can do it yourself. You can choose a strategic location so that potential customers will know about the workshop. If you have a partner that you invite him/her to form a partnership with, this would allow a smaller capital that would need to be spent.

4.  Garment Industry

Clothing is one of the essentials of human beings. Therefore the business potential in this industry is always there. One of them would be to create t-shirts.

You can start with a small capital. For example to sell it based on orders. You can offer t-shirt design to potential customers, and if they are interested, you can produce the t-shirt.

To push cost, you should find cloth suppliers and convection with high quality, but affordable pricing. In addition to that, you should also follow the current fashion style, so that you can be up to date with the t-shirt trends that you are selling.

Here are some small capital businesses that you can run. However, don’t forget that before you create your business you should do research and run a market survey first so that you would know what is needed by the potential customers. If you are ready to run a business, you would also need to expand it so that it would grow.

To develop a business you would need capital. However, you don’t have to worry, as you can apply for a loan from the bank that can help in the further growth of your business. You can apply based on the business that you are developing.

Currently, there is a Kredit Usaha Rakyat that you can utilize. This is a program that is developed by the government to raise funding for small medium enterprises which are disbursed by financial institutions with a guarantee.

In relation to supporting the government program, Maybank also contributed to giving access to funding for capital or investment with a low-interest rate. You can file to Maybank KUR as the capital in developing a business.

There are many benefits of Maybank KUR that you can utilize. Firstly, low-interest rates. With a low-interest rate, it can help in easily managing your business finances. Additionally, the credit value is quite large, up to IDR 500 Million. The Maybank KUR funding is quite long, with working capital of up to four years. For investment, it would be up to five years.

The requirements are easy. You would need a business that has been running for a minimum of three years. The amount must be used for productive purposes. Other than that the guarantee can be land, building, or cash. For more detail, you can click on the link below.

Isn’t it easy? Let’s realize your business ideas that are previously explained into reality. And apply the capital through Maybank KUR click here if you want to expand the business even bigger.