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Top 5 Low Capital Businesses to Start in 2022


There’s no other guaranteed recipe for financial stability and freedom other than business and in this article, I will share with you, 5 Low Capital Businesses to Start in 2022.

Business is actually a key to financial freedom. Although one can make money from a 9-5 job which most people depend on known as the paperwork (certificate) and spend most of their time trying to acquire.

studying hard to leave school with good grades so as to get a better job to be able to meet up with their personal needs will come out of the school system only to discover that the school system is only an end to a means and have little to nothing in contributing to earning a living (mostly in Nigeria). The educational system is just a repetition of past works and nothing new.


That’s Why books like “Rich Dad Poor Dad” and “Why A student works for C student and B student for the Government”. Both books written by Robert Kiyosaki have little or no regard for the school system but more on building a business (capitalist) in order to create employment opportunities while paying little in tasks with a direct focus on cash flow. The school system doesn’t teach basic life skills like how to start a business, how to sell, how to negotiate anything with anyone, how to handle rejections just to mention but a few.


The idea of starting a business is exciting. But just as an idea, it required time, money, and some level of risk.

Contrary to popular belief, there are actually many ways to start a business that let you focus less on the logistics and upfront costs and more on getting started. These small-business ideas make a great entry point for beginners, bootstrappers, or anyone with a busy schedule, and let you pick up a side business without having to drop everything else.

You still need to come up with a solid idea, build a brand, put effort into marketing, and provide excellent customer service. But there are ways you can bypass many traditional startup costs, such as initial inventory, warehousing, and retail space.




Business can be done offline (on land) and online (virtually) and thanks to the internet.

Unlike the old days when starting a business required a lot of capital, there’s much difference in this digital era. And in the digital space, there are businesses one can start with little to No capital and profit hugely from them over time not limited to one’s background or schooling but your ability to work hard and get the desired results.

There are offline businesses as well but with the power of the internet one has the competitive edge of making more sales and hitting income goals in the virtual space and there are up to about 100+ and more to make a list but in this article, we’ll be discussing the top 5 anyone can start with little or No capital.

Here are examples of business ideas you can start on your own with a small investment but before we dive into these businesses and reference the top 5, let’s highlight some of the requirements one may need to strive in these businesses.

  • A laptop/phone: a device to connect with the internet in order to meet with the world where dozens of opportunities could open to you.
  • Strong internet connection.
  • Electricity: you’ll have a constant power supply or at least one should be able to get about 4-6 hours of uninterrupted power supply.

That’s all, others include human traits like your ability to work, stay disciplined, dedication, mindset, patience, and ambition more than the average person. Nothing more and nothing less.


However, here’s a list of our top 5 businesses one can start with little to NO capital investment.

5 low capital businesses to start in 2022 includes;

  1. Amazon Kindle publishing
  2. Dropshipping
  3. Affiliate marketing
  4. Freelance writing business
  5. Copywriting



Top 5 Low Capital Businesses to Start in 2022

It’s simply a business model that helps you to self-publish your book on the Amazon store. This is a fast, easy and free way for authors and publishers to keep control and publish their books worldwide on the Kindle and Kindle reading apps. While getting paid for in passive income as well as 30% to 70% royalties.

One can become a published author without going through the stress of a publishing company and save you cost.

For Kindle books priced from $0.99 to $2.98, you receive a 35% royalty on each sale.

For Kindle books priced from $2.99 to $9.99, you receive a 70% royalty on each sale.

For Kindle books priced above $9.99, you receive a 35% royalty on each sale.

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With Kindle Direct Publishing (KDP), you can self-publish your book on Amazon and start making money in as little as 24 hours.

Sounds a whole lot better than waiting months or even years to find an agent, get a book deal, and go through all the rigmarole of traditional publishing for a printed book, right?


And that’s not even the best part…


Amazon lets you keep more of your money. A lot more.

With over 90 million Prime subscribers in the United States alone, Amazon’s Kindle store reach is huge.

Self-publishing with Amazon KDP is absolutely, positively, 100% free.

In short:

Kindle publishing makes it so that anyone can self-publish a digital book and sell it on Amazon.

There’s another way to go about it in case you don’t know how to write. There are books that have resale rights. Meaning, you can get a book written by someone else, edit the name and change some contents to suit you, and sell without being a top-notch writer. It’s a low capital business with high-profit margins over time.



The cost to get a book listed on the platform and get sales will require you to do some graphics work for your book cover, pay to get a proofreader to go through your contents. If you write, then you’ll have to spend some quality time coming up with topics and developing them into content.

To make a killing with this business model, you will need to run Facebook ads to generate leads as well as sell by email. You may consider starting a blog to boost your audience and chances are that you can turn your blog posts into a content, package and sell them as an eBook on the Amazon store.




Low Capital Businesses to Start in 2022 -DROPSHIPPING

Starting a business of any kind is not easy to come by. One needs to set up an inventory, sales, and marketing team, and consider location. Dropshipping is a different business model and one of the advantages is that it requires no inventory and it’s the first step into the world of entrepreneurship. You don’t need to pay for any product upfront and if you’re serious about it, you can build a long-term sustainable business.


How does the dropshipping business work?


In simple terms, dropshipping is an order fulfillment method that lets store owners sell directly to customers without stocking any inventory. A customer purchases a product from a dropshipping store, and a third-party supplier ships it directly to them. The customer pays the retail price you set, you pay the suppliers’ wholesale price, and the rest is profit. You never have to handle products or invest in inventory.


All you have to do is register an account with a supplier to get the best dropshipping products. To find a supplier one can get them through Alibaba or AliExpress or Dropping direct. Also through an integrated supplier like Oberlo by installing directory in your backend store.


When a customer buys something from your store, Oberlo fulfills the order automatically. The process is easy however, it’s a competitive business model. All you have to do is make sure to check that the order details are correct and click the Order button. The product then ships from the AliExpress dropshipping supplier to the customer, no matter where they are in the world.


What it takes/requirements

This is a highly competitive business model, but with less capital and no inventory needed. You will need to spend quality time growing your brand and getting hot selling products as well. To sell more, you’ll have to be top-notch in your niche and stay aware, subscribe to your competitor’s email list to see what they are doing. Run paid Google ads as well as Facebook ads to acquire potential leads for your business in order to make a reasonable amount of money.

Over time, one can potentially make up to $1000 to $10,000 a month and hit the $50,000 yearly revenue goal.




This business model has little to no inventory cost and it is quite simple and flexible.

Low Capital Businesses to Start in 2022 - AFFILIATE MARKETING

What’s affiliate marketing?

This is simply recommending or giving a review of a product you find worthy to a friend and the vendor compensates (commission) you for bringing someone.

This commission ranges from 10%, 20%, 30%, 40%, and 50%.

For example, you have a good medical doctor whose reputation is high in the health niche. And the doctor sells a health product or consultancy package or digital course on diabetes or a product that solves how to regulate sugar levels and these products are selling for $100 (₦50,000) at the time of writing this report.


$1 = ₦500 exchange rate.


You buy the product and discover it’s good and worth recommending to friends and family. What you have to do now is to get the doctor’s approval to promote his products for a commission in return.


If it’s a digital product, once you purchase the product you’ll be given access and a unique link for tracking any sales that come through you.

These affiliate products are placed on a certain commission rate. These commissions are determined by the doctor who’s the vendor for the products.


So let’s say the product is placed on a 10% commission base. For every sale that comes through you, you get $10(NGN 5,000). And if you were able to get 10 persons on that commission base, the vendor pays you 10% of the selling price at $100(NGN 50,000). That will be $100 (NGN 50,000).




Some products are on a 50% commission base. Going by the previous example, selling the doctor’s products at the price of $100(NGN 50,000) you get to pocket $50(NGN 25,000) as a reward for your efforts.

And if you were able to get 10 persons to buy on that 50% commission base, that would be $500 (NGN 250,000).


Very easy and straightforward.


How the system works.

Vendors(creators) create and list their products on a marketplace (digital space). Attached to the products are unique links for tracking sales made by the affiliate.

You (the marketer/affiliate) promote the product using your special unique link on social media and get credit based on the commission rate attached to the products.

What it takes/requirements

  • Vendors/creators
  • Unique affiliated links
  • A marketplace where the products are listed, signup, and promote

To get started on this, all that’s required is $20 (NGN 10,000) in Nigeria for example. a marketplace to get digital products to promote requires a one-time fee of the above-mentioned capital. There are others who don’t charge anything.

Examples of the marketplace include,,, and a host of others. Just to mention a few.

This business has little to no setbacks because all you have to do is promote your referral link. You don’t handle customers or sales. The vendor is responsible for everything and you just sit back and get paid. To be successful in this business model, one needs to have an understanding of copywriting and selling by mail.



Low Capital Businesses to Start in 2022 - FREELANCE WRITING BUSINESS

This business model requires no capital but a device to connect the internet, internet connection, and power supply and time. You’re set for a lifetime business.

What’s freelance writing?

Freelancing is simply working remotely and not going to the office and getting paid in milestones or per project or hourly.

Freelancing requires one to have Digital skills to sell in return for money.

Examples of digital skills are graphic design, writing, coding, copywriting, transcript, scriptwriting, and a lot more.

A freelancer is anyone (you)with any of the digital skills who are working remotely for a business or company to get paid in return.

Freelance writing is simply writing for a brand and getting paid. For example, this article you’re reading about 5 low capital businesses to start in 2022 is written by a freelancer, who’s working remotely and with no physical connections, he’s been paid. To be a freelance writer, one has to be good with the English words because you get paid handsomely in the proportion that your work delivers results.


No investment is needed but your time to improve your writing skills and pitch your services to the marketplace.

How to get started/requirements

First thing first, you have to develop the skill set by spending quality time writing most especially handwriting with pen and paper rather than typing. Improve your vocabulary. You can simply install Grammarly or type on Hemingway on your laptop to help check grammar errors.


Secondly, sign up and set up your profile on marketplaces like,,,, and a host of others. These platforms connect those who have the skills to render (sellers) with those who need it (buyers). This marketplace helps to link prospects to buyers. The good thing about this platform is that it’s a level playing ground for all.


For example, Upwork has three categories.

Entry, intermediate and Expert. So it doesn’t matter your level, you can start applying for contract deals once your profile is verified to get projects to work on even as a novice.

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Other options, you can set up a LinkedIn or Twitter account, follow your target audience and start tweeting or posting threads about your skillset. How to get clients in this option are in two ways.

  • Inbound
  • Outbound


Inbound is simply sharing a post, thread or tweet around your skill sets around the niche you settle on. This way clients see you as an expert and they reach out to you for help and to work with you.


Outbound is the opposite of inbound. Rather than clients chasing you, you’re doing the hunting and fishing yourself by sending DMs and telling friends what you do.

Thirdly, start your own blog. This presents you as a professional in your writing business. It builds an authority around your brand and chances to get jobs for money are high. This is where you’ll spend some moolah because you’ll be needing a domain name as well as hosting. This requires capital. One can stick to the other options if these will cost some money.

A freelance writing business is a great business to start with little to NO capital, for anyone. The only setback is not knowing where your next project is coming from.



Top 5 Low Capital Businesses to Start in 2022

According to legendary and veteran world-class copywriter Gary Herbert, copywriting is by far the most wonderful money-making skill anyone can get. This skill set is a money-spinner once you master it.

What’s copywriting?

Simply put, copywriting is sales in print. Like offline marketing or banners to sell, copywriting helps sell off all you’re selling to the marketplace with the written words online but not just any kind of writing.  It involves writing persuasively to make people tick on certain boxes to make buying decisions. A copywriter writes to target emotions and not logic. And they have an understanding of sales, logic, emotional impact, and marketing.


Content writing vs copywriting?


While content writing is aimed at bringing leads and keeping customers to your brand for a long-term base, copywriting equals sales now. You sell almost all immediately with copywriting. This skill set is so much in demand. The lifeline of any business is sales/marketing and copywriting is a skill that helps you take money from people’s pocket and put it in yours.  With copywriting, you can sell almost anything you want as well as affiliate products. So if you can become so good at it and show business owners how to get their money, money will forever flow through your direction.

Copywriting is vast in the sense that it offers a lot of opportunities. And there are a lot of niche markets to get into and make good money for yourself. There are a lot of niches that you could start with and make a great income.

Examples, are health, cryptocurrencies, financial, lose weight, sex, health, and wellness niches. Cross-sectional to these niches one can focus on writing emails for businesses, web copies, funnel building, Facebook ads, video sales letters,s and much more and make 6-7 figures building a business around it.

For an email copywriter, he can earn up to $3,000 (NGN 1,500,000m)per month writing emails for business owners and that’s for just a client.

How to become a copywriter/requirements

To become a copywriter, you can choose to learn all by yourself through YouTube videos and articles related to it or choose the short path by paying for a mentorship program, that will be the only cost of investment. Some experts charge between $50- $2000 to get on their training.


To earn well, especially big money with copywriting, one (you) must invest a lot of quality time into the skill, studying and practicing hard to get better because people love to work with the best and once you can prove that you know your onion, you are up to a great start.


Final Word

I believe you have gotten great value from this post. One thing I would like to re-iterate here is that all businesses need time and consistency. Remember, these are not a get rich quick scheme, you are not promised to become a million overnight. You need to allow your business time to grow irrespective of the nature of the business you decided to venture into.

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