private money lenders

[April Higbee]

Hi, i am having some problems trying to start out the family business. We have tried every finance company in the area and at least 4 different banks. They all have told us the same things on why we have been denied. None of us have good enough credit. I finally got in touch with a hard money lender willing to work with us, but we need 15,000 down to put into a reserve account. That is our other problem WE HAVE NO MONEY! who has 15 THOUSAND just laying around! lol so...my question is what should i do? We are attending monthly real estate clubs and we have a membership so we can learn more. I have read that we could wholesale, but i still dont understand how you can wholesale with no money? Also, i heard of private money lenders but every site i go to for listings of lenders it COSTS! I feel like i am running in circles...PLEASE HELP