Best Business To Start Under 20k

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By: Scam Risk - Expert Reviewer

Got $20,000 to play with to start your own business?

Or maybe you’re looking to get a loan out for a business that will allow you to get the hell out of your 9-5…

Today, we’re going to talk about 5 different business models. My plan is to answer all the main questions about these models and tell you how to make money with them. 

But to save you some time, let me tell you right now that 4 of these are neither the fastest nor the most guaranteed path to building wealth online.

If you’re serious about building a passive income online, this is a much better all-around business model.

Still here huh?

Table of Contents


Who are we kidding?

You’re thinking of it…

We’re thinking of it…

So, does it actually work with just $20,000?

To be completely honest, before the fiasco that was 2020, we would have said yes 100%.

But there just has been too many things that have gone sideways with the market that ANY beginner would be able to navigate through successfully.

Things like rent moratoriums and what not.

Plus…why would it make sense to drop $20,000 into 4 properties (if you’re lucky) that don’t turn around with a paying tenant right away?

Exactly, IT DOESN’T.

But let’s just say that by some divine miracle you are actually able to get paying tenants…

Odds are that after all property management expenses are taken out of that monthly check…. you’ll only keep about $250-$500.

So, BEST CASE SCENARIO you’d be able to get $1,000 – $2,000 in your pocket each month.

But the odds of it going that smoothly are SLIM TO NONE now.

There are just so many headaches that come with real estate in today’s market:

  •       Rent Moratoriums
  •       Bad Tenants
  •       Repairs
  •       HOA Fees

I could go on…but something tells me you get the picture.

But if you’re interested in the real estate model AND really want passive income with less of a headache, this business model is literally perfect for you!


You’re probably thinking “DAMN I thought getting into affiliate marketing was free?!?!”

Well technically…yes, it generally is.

But you’re not going to make any serious money by just plastering your affiliate link across Facebook and other random blog comment sections…

And you want to make SERIOUS MONEY right?

The big elephant in the room that no one ever wants to talk about is that affiliate marketers who make SERIOUS MONEY are ones with absolutely massive blogs.

Because at the end of the day affiliate marketing comes down to 2 things:

How many people you can get to see your link AND the quality of people.

Real affiliate marketers know this and that’s why they have huge affiliate blogs bringing in $20,000+ per month due to their sheer traffic.

So how much money does it take to get one of these things up?

We’re talking BARE MINIMUM $20,000 up front.


You will need to invest heavily in SEO and content writers to consistently move you up to the first page of google.

And it doesn’t just cost money…but also time.

An affiliate marketing blog isn’t gonna be a cash cow right out of the gate…it usually takes 6 months to see any kind of meaningful return.

But what if you could rank one site and it not require you to spend $20,000?

This business model focuses on setting up smaller websites with basic SEO while being able to produce meaningful traffic in less than half the time!


So, this business model is probably the most expected one besides real estate to have hefty upfront costs.

At this point almost everyone knows that you can’t start a successful ecommerce biz with $0 like you could back in 2005.

To stand even a remote chance of being successful you need at least $10,000 to drop.

eCommerce is a long process. It usually takes 90 days just to get your product launched.

That’s even longer now thanks to the events of 2020 though.

On top of that, Chinese Wholesalers (who are normally your suppliers) are now entering the ecommerce market for their own.

You don’t have to be a genius to see the writing on the wall there.

Even if you run everything right, everything down the T that an ecommerce course has shown you…

You could still end up being beat by your Chinese suppliers that can undercut you.

Speaking of eCommerce courses though, once you buy in and start getting that 1 on 1 coaching…

You’ll find that all the coaches say the same thing.

Only 1 out of 10 products that you try to sell will actually be successful.

But let’s be real, who here can actually afford to experiment with 10 different products?


$10,000 is pretty much only going to cover one product launch…

That’s a lot to roll the dice on we think.

Also, you might have noticed that a bunch of ecommerce course ads haven’t been popping up on YouTube lately.

Why might that be…?

If you have $10,000 though and really want to put it in the right place…you might want to consider this business model.

It costs, at most, 1/10th of what ecom costs to launch and the profit margins are 5-10X higher!


You may or may not have thought about social media marketing before…

Social media is a great area to target local customers for local businesses.

You can make a decent amount of money as well without their being a huge upfront cost on your end.

After you learn from the right people and are ready to go out and land clients of your own…

We’re talking maybe $500-$1000 out of your own pocket to prove your worth to a business your methods work.

After that, it’s not all that uncommon for social media marketing companies to charge $500-$1000 above the ad spend that a company gives them for profit (i.e. $500 ad spend $500 for management).

Sounds pretty awesome right?

We can’t lie, it does sound great but…

Social media companies (Facebook, Instagram, Twitter) are becoming increasingly strict on ads.

Don’t just take our word for it…look for yourself…

These companies are updating their terms of use and other ad account related rules EVERY SINGLE DAY.

With something like that, it’s hard to keep your account safe from getting suspended.

AND it’s not exactly like Facebook support is quick to help you out or give you any kind of explanation.

If your account gets suspended and your client stops seeing the results you’re providing…odds are they aren’t going to be a paying client for much longer…

Which means even MORE MONEY out of YOUR POCKET.

Do you like the idea of only having a couple hundred to a thousand bucks to set something up that will recoup that cost right away though?

You should check out the best business to start with UNDER 20K!

What is our top recommendation for making money online in 2021?

Our review team has come across a program in the real estate industry that is next level!

Although it’s not real estate in the traditional sense, it’s all digital.

Yup, Digital Real Estate!

Where all these other models fall short is in scalability. 

You can’t realistically expect to be able to work all hours of the day at these different models, you’d run out of time.

But what if you leverage it?

With this digital real estate program, you will be getting clicks from multiple sites at every minute of the day and never have to pick up a phone once!

Sound too good to be true? Of course it does! But it isn’t…in fact, business owners wish they had this skill!

All you have to do is build and rank a website and forward the jobs off to a business owner in town, you could even email it to them!

This works for literally any service based business, tree service, plumbing, towing, etc. 

How do you get paid and how much?

Simple, after you forward the jobs off to a business owner and he makes some money off of them, you simply ask to make the deal beneficial for each other.

A fair price to charge per lead, depending on the industry is 10-20%…let’s just use the tree service industry for example and go by worst case scenario.

Let’s say you build and rank the site and only 10 jobs a month come in. The average tree service job is anywhere from $500-$2000!

That means at bare minimum you have an asset worth $500 a month!

See why they call it digital real estate now? That’s a rent payment. 

The great thing is how easy it is to scale. You don’t have to answer the phone…all you have to do is get the phone to ring.

Remember all these other business models making small amounts of money in the margins?

This one actually allows you to collect big sums without being on the internet all day. Truly passive income!

The training program takes making money online to a whole other level. The owner of the program walks you through how to build and rank a site hand in hand, with the occasional voice over when he is sharing his screen.

You will learn the importance of keywords, website name, how to send call notifications via email, backlinking, etc.

Once the training program is completed you will also have access to a Facebook group much better than any of the groups you’ll find for other models in our opinion. This group is much more active.

Unlike these other business models, where you’re just a slave to time…these websites turn into your employees and they work 24/7. A business will always want more leads and another job. In fact it doesn’t even matter that the job isn’t coming from their website name…they see it as it is…expanding digital real estate.

Unlike these other business models, more people have been able to walk away from their 9-5 job as well. 

Digital real estate allows you to have total passive income with most of your day being spent OFF the internet.

Now, I know you probably have tons of questions… So, check this out to learn more. 

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