Just as I have been telling any of my client(s) who cares to listen.the biggest hindrance to your actualizing your dream business is not having the needed capital but rather not believing that you can get that business started even though you don't have the needed capital.
So what am I saying?
Your not believing that your
Small Business Ideas idea will work(provided its a profitable one) because you discovered that you need N100k or so to start off while you have only N10k - N20K.Find a way to raise the needed capital(I don't mean getting a loan) and if need be start with what you have and stubbornly grow towards where you want to be.