25 Small Business Ideas With Only Low Capital

You can be the boss while growing your own finances by going on your own and setting up your own business. Nowadays, because of the major effect of social media and the ever changing interests of consumers, the demand and services continue to grow each year. People are now open to new brands and establishments, allowing the business industry to flourish.

Here are 25 small business ideas that everyone can set up with only a low capital:

1. Reselling Business: Beauty Products

Start up cost: P5,000 – P20,000
Items to invest in: Beauty products for reselling, smartphone or laptop

Did you know that the Philippines’s beauty industry is expected to grow a worth of P213 billion by 2023? So if you are a beauty enthusiast, it is now time to resell beauty products.

With only a budget of P5,000, you can start your own business by reselling beauty products. That is to say, this is one of the easiest small businesses to start at the comfort of your home.

2. Bicycle Shop

Start up cost: P50,000 and up
Items to invest in: Bicycles, bicycle parts, and tools

Even though the Philippines isn’t as bicycle friendly compared to other countries, the demand for bicycles has been growing ever since the lockdown started.

You can offer bicycle rentals, repair, tools, aside from selling bicycles. The capital for this kind of small business starts at P50,000 depending on what products and services you want to offer. If you set up your shop in a high foot traffic area or near a biking destination, chances are it can boost your profit.

3. Bills Payment Business

Start- up cost: P5,000 to P45,000
Item to invest in: Point-of-sale (POS) device

If you’re also tired of enduring long lines at payment centers only to pay bills or send money, please note that you can run a digital payment business offering bills payment, remittance, and mobile e-loading services to your neighborhood.

That is to say, this low-capital small business can help you earn you an average monthly income of P10,000 or more and recoup your investment from one to eight months! A big plus if you already own a sari-sari store, internet shop, or any existing small business.

4. Pastry Business

Start-up cost: P3,000 to P5,000 if you already have equipment and P40,000 to P50,000 if you still have to invest in equipment and materials.

Items to invest in: Baking equipments like oven, mixer, cupcake liners, cake pans, decorating tools, measuring spoons, and mixing bowls

If your hobby in your free time is to spend it inside your kitchen for baking, then why not turn this hobby into a profitable business?

You can start by determining your target market and identifying your specialty. Finding a supplier who can provide ingredients at a low price is also a big game changer while building a Facebook or Instagram page to help you advertise your business.’

5. Car Wash

Start-up cost: P70,000 and up
Items to invest in: Cleaning products and equipment for car washing

As of today, the demand from customers for a car wash service is already established. This great business idea can be highly profitable if you know your way around auto detailing. Setting up a carwash is one of the small businesses ideas good for car lovers especially if set up in an area with high foot traffic.

6. Cellphone Loading Business

Start-up cost: P2,000 to P3,000
Items to invest in: A smart phone, retailer SIM card

For as low as P2,000, anyone can start earning at home or even at the office. Only because this is one of the easiest small business ideas to put up today. However, compared to other small business ideas with low capital to start with, don’t expect to earn much from this one. If you choose to be a load retailer, you will get your earnings through a commission, which can be 3% to 13% per transaction.

7. Delivery/Courier Services Business

Start-up cost: P5,000 to 80,000 and up
Items to invest in: Smart phone, motorcycle, or even bicycle

As more and more people choose to shop online, the demand in delivery services in the country continues to grow. Consumers nowadays consider the delivery as part of their shopping experience online. So it’s very important that a courier takes care of the parcels during transit and delivers them to customers on time. And this type of small business idea can set you back from P5,000 to P80,000 for one vehicle needed for deliveries.

8. Food Cart Franchise

Start-up cost: P50,000 to P300,000
Items to invest in: Franchisers usually provide equipment and initial supplies to help start this kind of business. However, you can invest in whatever item you think can improve your business. 

More popular food cart franchises can cost as much as P300,000. But there are food carts that offer one or two products typically start at a franchise fee of P50,000. When you choose to invest in a food cart business, choose wisely the location with good foot traffic such as cafeterias, transport terminals, or malls. But always remember, real profit only comes in once you’ve earned the money you’ve invested in your franchise fee.

9. Graphic Design and Video Editing Business

Start-up cost: P70,000 to P150,000
Items to invest in: Personal computer or laptop, graphic tablets, and design software

Youtube influencers and vloggers in the Philippines only means that there is also a growing demand for graphic design and video editing. If you are a creative person, you can use your creativity in design and video editing to start a small business.

By starting with a budget of P70,000, you can have a startup business here and abroad for multimedia needs. This is one of the small business ideas that require an extra set of skills.

10. Hair and Grooming Home Services

Start-up cost: P50,000 and up
Items to invest in: Quality grooming equipment and hair products

With the situation right now because of the COVID-19 pandemic, a home service salon is perfect as well as if you’re a hairdresser who wants to start their own business. Because aside from the usual haircuts, you can also offer treatments like hair rebonding, perming, and coloring.

Most of the products that you will need for this business are hair products and grooming equipment. By going with this business, you should also need to be updated about the latest hairstyle trends.

11. Home-Cooked Meals

Start-up cost: P1,000 to P8,000
Items to invest in: Meal ingredients, kitchenwares, and plastic containers

If you are the kind of person who finds passion in cooking, then selling home-cooked meals is one of the most enjoyable small business ideas for you! It maybe is time-consuming, but by doing what you love, you would only need a capital as low as P1,000 for this business. You can also easily advertise your meals online on social media for a start and only cook meals on a made-to-order basis which is a great way to start.

12. Homemade Beverage or Palamig Business

Start-up cost: P500 to P5,000
Items to invest in: Ingredients, containers, plastic bottles or cups

Living in a tropical climate country like the Philippines, selling ice-cold drinks is one of the low-cost yet profitable small business ideas out there. Beverages like milk teas, coffee, and fruit drinks are in demand all year round especially during summer.

13. Home Cleaning and Repair Services

Start-up cost: P50,000 to P100,000
Items to invest in: Disinfectants, cleaning and repair tools, and protective gear

If you want another business with a continuous demand, you can start a cleaning and repair business that caters to professionals. Some of the services you can offer with this kind of business are housekeeping, appliance repair services, and even plumbing. Necessary training to do home repairs and housekeeping are needed aside from having tools, disinfectants, and protective gear.

14. Laundry Shop Business

Start-up cost: P70,000 to P250,000
Items to invest in: Washing machines, dryers, baskets, and detergents

A laundry shop that offers pickup and delivery services is a perfect small business idea in the Philippines. Especially if you live near condominiums and business districts where residents are busy. Only because many individuals may find it hard to squeeze in household chores during office hours.

In the Philippines, laundry shops typically charge P150-250 for 8kg of laundry, including washing, drying, and folding already.  Delivery charges may incur for pickup and delivery.

15. Local Grocery Store Business

Start-up cost: P70,000 to P200,000
Items to invest in: Grocery items, shelves, refrigerator,  plastic bags, label makers

This small business idea can give you a lot of sales depending on the store’s size and location. However, its profit margin is 20 to 30% if the business is booming. That is to say, a local grocery store is like a bigger version of a sari-sari store. Setting up a local grocery store in an area where the local market is quite far is a wise decision if you want to skyrocket your business.

16. Meal Plan and Delivery

Start-up cost: P30,000 to P100,000
Items to invest in: Meal ingredients, kitchenware, plastic containers, and delivery vehicle

Just like having home cooked meals as a profitable business, you can release your inner chef in you into the next level with a meal plan and delivery business. Targeting busy professionals who don’t have the time to cook healthy and tasty meals even if they are working from home, is a good market already.

If you want to turn your food passion into a profitable business, you can offer weekly meal plans with three dishes daily delivered every day for a week.

17. Online Fashion Boutique

Start-up cost: P15,000 to P35,000
Items to invest in: Products for reselling, camera, and a smartphone

Among the most sought-after items by online shoppers are clothes, shoes, bags, accessories, and beauty products. You can also buy cheap yet trendy RTW clothes from almost anywhere, for instance, and then sell them on social media and marketplaces like Shopee, Lazada, eBay, or Carousell. You can also set up your own website using an e-commerce platform.

With this kind of online business, investing in a camera that takes high-quality photos is a best choice so that the products on your website will attract prospective customers.

18. Online Tutoring Business

Start-up cost: P2,000 to P30,000
Items to invest in: Computer or laptop, quality web camera, headphones, and microphones

This is one of the small business ideas perfect for anyone who has a passion for teaching like teachers, musicians, and artists who would like to share their knowledge virtually. So if you have the expertise to share and teach, all you need to start this business is a computer, a good quality webcam, headphones, and a stable internet connection.

With the situation that we have right now, and thanks to the internet, learning has become more accessible even in the comfort of our home.

19. Personal Shopping Services

Start-up cost: P10,000 to P70,000
Items to invest in: A smartphone, computer or laptop, and a vehicle

We always hear or read the word “pasabuy”, this personal shopping is so popular among customers who don’t want to go out to shop especially in these trying times that we have a pandemic. So if you know your way around malls and other shopping establishments, then this business is just the right one for you!

From simple grocery products to bulkier items, you will be asked to look for and buy for specific items as a personal shopper. Personal shoppers charge between 10% to 15% of the total purchase price.

20. Pest Control Services

Start-up cost: P100,000 to P250,000
Items to invest in: Pest extermination equipment, pest control products, and protective gears

Another business with a continuous demand is a pest control service because pests exist everywhere and can compromise our health and sanitation especially businesses in the food industry. What a pest control service does is it helps eliminate unwanted pests to protect households and businesses from infestation. If you choose to have this kind of business, you can make money by offering fumigation, termite control, and rodent control to residential and commercial customers.

21. Piso Wi-Fi Vending Machine

Start-up cost: P17,000 to P30,000
>Items to invest in: Unlimited broadband plan and an internet hotspot device

Living in a country where its citizens are addicted to the internet and spending an average of 10 hours online per day, according to the Digital in 2019 report, having this business is definitely a good choice. You can take this as an income-earning opportunity by running a Piso Wi-Fi business that provides affordable internet connection and it is cheaper to set up than an internet cafe.Sales of a Piso Wi-Fi business like this one can go anywhere from P6,000 to P40,000 a month.

22. T-Shirt Printing Business

Start-up cost: P80,000 to P200,000
Items to invest in: Computer or laptop, printer for pigment ink and for sublimation ink, heat press, silkscreen line table, rotary press, flash dryer, frames, squeegees, and t-shirts

If you already have connections within companies and organizations, it’s easy to earn from a t-shirt printing business. If you like clothing apparels, you can start your business in a spacious garage at home or you can also rent a small commercial space. Aside from customized tees, you can also focus on printing office uniforms, jerseys, hoodies, and canvas bags. However, before putting up this kind of business, it is best to learn different printing methods for you to properly execute this business.

23. Vlogging

Start-up cost: P20,000 to P30,000 and up
Items to invest in: Vlogging camera, microphone, tripod, and video editing software

Did you know that you can start vlogging with a smartphone that can shoot high-resolution videos, create interesting content, and share your video on YouTube, Instagram, or your personal blog? If you like hosting or storytelling, arn income using your talent and a few video production equipment with only a small capital by being a vlogger. The best part about this one is you can share content from anything you’re passionate about!

24. Water Refilling Station

Start-up cost: P100,000 to P350,000
Items to invest in: Water refilling machine, water bottles, heat gun, stickers, and delivery vehicle

Water is one of our basic needs and we take it every day. So taki the opportunity and putting up a water refilling business is a win-win situation. There is a high demand for clean and drinkable water everywhere. With a budget of P100,000 you can already franchise a water refilling station! This investment is worth the money for this kind of investment because water is highly profitable and does not expire unlike other products in the market.

25. Web Design Business

Start-up cost: P5,000 to P30,000
Items to invest in: Computer or laptop and a design software

If you already have the industry experience and skills, please note that the startup cost can be as low as P5,000 for additional tools you may be needing. And the profit for this business ranges from P20,000 to P50,000 depending on the client that you will be working with.

Starting a web design business and catering to startup companies wanting to build their own websites is one thing. And you can also offer your skills and services to individuals who want their own websites for personal use.


You can start any small business ideas as long as you know to yourself that it will suit you. All you need is the right strategy and creativity, then you can be your own boss even with low capital.

If you’re thinking of a cellphone loading business or bills payment business, then you might as well consider digitizing your business and making it an All-In-One Digital Hub thru POSIBLE!