Businesses You Can Start with $20,000
32 business types you can start for $20K or less — 2026 data
With $20,000 you cross into territory where you can afford a physical presence — a small retail space, professional-grade equipment, or a branded vehicle. This budget unlocks businesses that require more infrastructure but offer stronger competitive moats.
Food trucks, barbershops, small retail operations, and specialized trade businesses all become viable at this level. You can also start a premium version of lower-cost businesses with better equipment and marketing.
Browse every business type in our database that you can launch for $20,000 or less. Each includes detailed cost categories and an interactive calculator.
32 Businesses Under $20K
Dropshipping Business
$500 – $15K
Pet Sitting Business
$1K – $20K
Tutoring Business
$1K – $25K
Cleaning Business
$2K – $50K
E-Commerce Store
$2K – $50K
Consulting Business
$2K – $50K
Vending Machine Business
$3K – $50K
Painting Business
$3K – $60K
Auto Detailing
$3K – $30K
Personal Training Business
$3K – $50K
Accounting Firm
$3K – $60K
App Development Business
$3K – $50K
Landscaping Business
$5K – $100K
Photography Business
$5K – $50K
Massage Therapy Business
$5K – $80K
HVAC Business
$10K – $150K
Moving Company
$10K – $150K
Daycare
$10K – $500K
Trucking Company
$10K – $200K
Dog Grooming Business
$10K – $100K
Plumbing Business
$10K – $150K
Catering Business
$10K – $150K
Electrical Business
$10K – $120K
Real Estate Agency
$10K – $150K
Yoga Studio
$15K – $200K
Flower Shop
$15K – $200K
Roofing Business
$15K – $150K
Thrift Store
$15K – $150K
Bakery
$20K – $400K
Clothing Boutique
$20K – $300K
Ice Cream Shop
$20K – $300K
Juice Bar
$20K – $250K
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Frequently Asked Questions
What is the best business to start with $20,000?
The best business depends on your skills and market. With $20K, high-margin options include food trucks ($28K minimum but achievable with used equipment), barbershops, and specialized home services like HVAC or electrical. Our calculators help you compare real costs side by side.
Can I start a franchise with $20,000?
Most franchises require $50K–$500K+, but some low-cost franchise opportunities (cleaning services, mobile businesses) start around $10K–$20K. Our data focuses on independent business startup costs, which are typically lower than franchise fees.
What percentage of businesses started with $20K succeed?
Success depends more on the business model and execution than the exact starting capital. According to Bureau of Labor Statistics data, about 80% of small businesses survive the first year. Adequate capitalization (having enough to cover 3–6 months of expenses) is a key survival factor.