There are many people who own a business and have never taken a loan on the venture. If you can use your personal savings or access family/friend loans, more power to you.  There may come a time when you want to leverage some of your assets to expand your business.  Make sure the asset is something you are willing to risk.  Understand the power of leveraging your assets to attract capital may mean not spending your assets down to help adjust the risk.

Usually, to access financing, you'll need some business experience either as the owner for a couple years or in a similar business to attract investment.  Lenders want to know you have the experience to succeed in your chosen field.  You can work with the SBDC, and angel investor, try to crowdsource the funds, but you will need to build a business case.  You are the best person to tell your story and you need to understand your cash flow so make sure you keep an eye on your finances. 

Debt financing that gives you access to capital without diluting ownership in your business can be difficult if you haven't substantial revenue, business history, or good credit. 

As the business owner, you need to personally invest in your business, it shows you have a personal stake in its success.  You determine the growth and direction, so make sure you can explain your goals and needs.  Be confident, more importantly be realistic so you enter this stage of owning a business with a thorough business plan/ strategy.

Setting up crowdfunding campaigns will gain you exposure and help bring in capital, but building your reputation as someone to do business with is even more important and that comes from referrals, either from the work that you've done, or the network of people you've surrounded yourself with to send you business.

However you decide to access capital, have a clear path on how to maintain control of your business and your finances. Another great opportunity to find an expert in the field. Capital is critical for your success, just make sure you understand the terms and your responsibilities.