Capital plays an important role in starting a business, but starting a business is not all about money. In fact, there are many businesses you can start today, practically with no money down.

There are businesses you can start with no money.

Most people keep procrastinating to start a business, using money as the main excuse. But right where you are, you may already have skills that many people will pay for, even without you spending much money. 
Author J K Rowling, was a teacher with no money, but in her memoir, she said that even though she has failed in many things, she knows deep in her that there is one thing she can do very well. And that one thing is storytelling. So in her spare time, she wrote the first volumes of Harry Porter. The
Harry Porter series eventually made her the richest woman in the United
Kingdom, even richer than the queen with a net worth of about $ 1 billion. Remember, she started with only pen and paper. She couldn’t even pay her bills, not to talk of having spare money to start a business.
So, you too have something in you right now, that you can turn to a business without spending much money. It may be a skill, talent or and ability you have. It may even be your physique. After all, many actors and models, started with nothing but their physique.
This is a business that anyone can start, and get to any level you want to get in life. A real estate agent I know in Enugu, started with absolutely nothing, but today owns a hotel in Enugu. Real Estate Agency is a business you can start in Nigeria with little or no capital. In developed countries, you need to write lots of exams and be certified before you can venture into real estate agency, but many real agents in Nigeria do not go through such rigorous process.
Real Estate Agency is a business you can start in Nigeria with little or no capital. In developed countries, you need to write lots of exams and be certified before you can venture into real estate agency, but many real agents in Nigeria do not go through such rigorous process.

What you need:

To succeed in real estate agency, you need several things,
1.     Ability to talk:
 Can you talk and convince people. You need to be able to talk with clients and gain their confidence. Most people do not have the time to start looking for houses to rent, or lands to buy. They need people to help them do it. Can you convince them that you are the person they can depend on?
2.     Honesty & Integrity:
With honesty, you can easily distinguish yourself from the many real estate agents out there. People are scared of agents because, they are only interested in their commission. They don’t mind if you rent a dilapidated house, so far as they get their commission. Don’t be like that. Spend time to find exactly what people need or even better. What makes you a success is the referral that happy clients will bring to you.
3.     Marketing:
Many agents do not do enough marketing. Let people know you by any means. If you don’t have any money, just use chalk and write notice on a board, and place in as many strategic positions as possible. Put it in your church notice board, post pictures on your facebook, and not your selfies. Use your whatsapp, If you find a good deal, let all your friends both physically and online know about it. Someone may know someone who needs what you have found.
4.     Attach to a big registered agency:
When you are just starting, it is good for you to find bigger more established registered agency that you can attach yourself to. Make sure to find reputable agency, so you won’t have problems in future. With such agencies, you will find yourself doing bigger businesses sooner. Another advantage is that you can use their office, as your contact point.
5.     Hardwork:
There are many real estate agents, but majority are lazy, and that is why they do not succeed. Many landlords are looking for tenants to fill their houses and offices and to buy their lands. So every day, map out time to knock from door to door and visit land owners and landlords. Never be lazy, always go out every day in search of houses you can rent, lands and buildings that are for sale, and add these to your portfolio.  With time, you will become known by the landlords, and they will begin to look for you, each time they have a vacancy or something to sell.
Property Management is part of the real estate business. A property manager takes care of real estate properties in lieu of the landlord. You do not need capital to start this business. Property managers could be in charge of residential properties, commercial properties, event centers, etc.
However, you need recommendation and a good reputation, before people will entrust you with their property. You can also leverage on relationships to get connected to a property owner.
The fact is that most property owners hate the daily hassle of managing their property, many also do not like to use lawyers, especially small property owners or owners of facilities such as events centers. Obviously, a lawyer cannot manage an event center. So, if you are well recommended, it will take little convincing on your part to take over the management of a property.
Property managers can make income in several ways. A friend I recommended to manage an events center makes his income from commission on each successful booking. He became very creative to ensure that the event center is booked not only on weekends but also on weekdays, and even several times on the same day.
This is a business that works better for the women folk. The child care industry is a growing segment today, because many couple now works morning to night. Although day care institutions are springing up everywhere, but some couple prefers home-based daycare service, either because of the homely setting or cost.
Consequently, there is a market for home based daycare services, and if you love kids, this may be a business you should consider provided you have a comfortable space.
There is much potential for growth in this industry especially with the increasing hectic lifestyle and urbanization. Your home based daycare service could grow to any level that you can envision, with proper management and word of mouth marketing.
If you are a good writer, then there is no reason why you cannot make millions with your skill. Technology has disrupted the publishing industry. Traditionally, no matter how good you can write, you still need to meet many big name publishers and literally beg them, before your work can be published. But with technology, anyone can be a publisher.
A classic success story in the world of self-publishing is that of teenage writer Amanda Hocking. As a teenager, Amanda wrote several paranormal novels that where all rejected by 9 publishing agents. However in 2010 she needed $300 for a journey, and thus she decided to sell her book on Amazon to raise the money.  Within 6 months Hocking has raised not only the $300 she needed, but an additional $20,000 selling 150,000 copies of her books. In the next 20 months Hocking has sold 1.5m books and made $2.5m. All by her lonesome self. Not a single book agent or publishing house or sales force or marketing manager or bookshop anywhere in sight.
Many Nigerians today have books on Amazon, which is the biggest book seller in the world. So if you can write, this may be something you should consider.
Affiliate marketing has produced so many millionaires in dollars all over the world. Top affiliate marketers like Ewen Chia, pulls in several million dollars annually in revenue. The beauty of affiliate marketing is that you are not investing in the product. You do not need to create or buy any product, you simply sell someone’s product and many will give you up to 50% commission. In this internet era, never say that a business is not for any specific area. Nigerians may have certain barriers in doing such online business especially in making and receiving payments, but these challenges can be easily overcome with a little help. Millionaires Academy has a full course in Affiliate marketing.
Laundry is a business you can start at any level depending on your capacity. You don’t require much capital outlay to start a laundry business, and the market for laundry services is huge and expanding. To get an edge over the competiton, you can include a home pickup and dropping service. Having interacted with many owners of laundry outlets, I can safely say that the business is lucrative, but depends on your location and marketing prowess.
Dropshipping is a retail fulfillment method where a store doesn’t keep the products it sells in stock. Instead, when a store sells a product, it purchases the item from a third party and has it shipped directly to the customer. As a result, the merchant never sees or handles the product.
The biggest difference between dropshipping and the standard retail model is that the selling merchant doesn’t stock or own inventory. Instead, the merchant purchases inventory as needed from a third party – usually a wholesaler or manufacturer – to fulfill orders.
Dropshipping is different from affiliate marketing; in affiliate marketing you are selling someone’s product for a commission. But in dropshipping, you sell the product as if it is from your own store, and you sell at your own price.
You are like konga.com or Jumia.com. You build and market your e-store just like a normal online retailer except that normal retailers have to tie up huge amounts of capital purchasing inventory.
With the dropshipping model, you don’t have to purchase a product unless you already made the sale and have been paid by the customer.
Almost everyone has a skill that he or she knows much better than other people. A consultant is an expert in a particular field who works as an advisor either to a company or to another individual.
You can offer consulting service in the following area:
      Book keeping and Accounting
      Public relations and advertising
      IT Consulting
      Human resources
      Legal services
      Payroll management
      Tax matters   and so many others.


Cleaning services are springing up everywhere in Nigeria today. You can decide which segment to focus on; home, corporate or industrial. You can also target all the segments if you have the capacity. This industry is growing today, as most businesses and companies are now outsourcing such jobs in order to focus on their core competencies.
10.       Website Development
For the IT savvy, the initial cost of starting IT companies has dropped drastically, and it is now possible to start IT firms with little capital. One such IT business you can start today is website development.
Businesses now realize that to remain relevant in the 21st century, you need to have a website. Consequently, there is a growing demand for web developers. However, the low barrier to entry has also made this field very competitive and so to stand out, you need very good design skills, augmented with aggressive marketing strategies.
Any good photographer will tell you that photography remains a very lucrative business today. However you will need a good quality camera and some training to start this business. Photographers make their income from events. You also make more money if you provide extra services such as photo album for weddings and ceremonies. Photo albums are quite expensive and can go for as high as half a million and even more for top society events.
If you have passion for this industry, you could become a celebrity photographer like TY Bello, and you take photo shoot of celebrities, models and high society people.
In one of my companies, a printing firm (Emcorp Prints and Designs Ltd.), the department that always give us headache, is the graphics department. Good graphic designers command salaries of over N70,000 monthly and exceptional ones earn even more. Good graphic designers don’t look for work, work looks for them. Our printing firm still has 2 vacancies for graphic designers waiting to be filled for a month now.
Graphic design is a skill which you can learn, the startup cost is the learning process. Once you master graphic design, you can immediately get a job with a design firm, printing firm, media or publicity firm, to gain more experience. If you wish to launch on your own, you should situate your office close to either a printing area, or a very busy business area. Reach out to printing firms, media firms, religious bodies etc., and you will never lack for work.
13.       ANIMATION
2D and 3D animation is a field that is booming today. Though it is a field for the technically savvy, and the learning curve is steep, but you love arts and design, this is a field you should look into.
There is no financial ceiling for those in this sector, 3d animation is a much sought after skill in media industry and in the movie industry. Established 3D companies, pull in revenues in hundreds of millions of dollars.
In Nigeria, we have several young people doing well  in 3D animation, one such person is Eri Umusu. Eri currently works at Afrinolly as a CG Artist. Eri has been engaged in different tasks from VFX productions to animated content, motion graphics and so on. Eri is undoubtedly one of Nigeria’s best when it comes to 3D modelling, animation and visual effects.  A self taught artist, he had his directorial debut with “The Sim” , currently one of the most popular 3D animation in Nigeria. He is an active contributor within the Nigerian 3D community, giving trainings and lectures on computer animation.
Snail farming is a slow but stable way of making money.  More than 90 percent of the snails supplied to African markets are handpicked from the bushes and forests during the wet season. However, as more rural dwellers head to the cities for jobs and our forests are rapidly overtaken by new and expanding cities, snail farming in small farms and home backyards is gradually becoming a sustainable and lucrative supply source.
Snails are a rich source of animal protein and contain a huge blend of essential amino acids. Snail meat has a very low cholesterol content, which makes it a healthier favourite and alternative to the fatty red meats that still make up a significant part of the African diet.
However, the rising consciousness of Africa’s middle and upper class to choose healthy diets has made snails a popular feature of expensive meals in hotels, bars and restaurants.
You don’t need to break a bank in order to start snail farming. With a little space at your backyard, you can launch into snail farming. What you need though, is a good training to maximize your profit. As a member of Millionaire Academy, we got you covered in this aspect, as Snail Farming is one of our free courses.
If you love planning parties and events for friends and family, then you may consider a career as an event planner. Event planning can be a very rewarding career as you will be responsible for putting smiles on the faces of your clients.
Individuals often find they lack the expertise and time to plan events themselves. Most Wedding events are now outsourced to event planners, and almost all political events are handled by professional event planners.
As an events planner, your field of interest includes but is not limited to:
       Celebrations (fairs, parades, weddings, reunions, birthdays, anniversaries)
       Education (conferences, meetings, graduations)
       Promotions (product launches, political rallies, fashion shows)
       Commemorations (memorials, civic events)
As an event planner, you will be responsible for some or all of the following activities:
       Conducting research
       Creating an event design
       Finding a site
       Arranging for food and decor
       Planning for DJ, MC, and other entertainments
       Planning transportation to and from the event
       Sending invitations to attendees
       Arranging any necessary accommodations for attendees
       Coordinating the activities of event personnel
       Supervising at the site
       Conducting evaluations of the event
16.       Insurance Agent
Selling of insurance is something you can start with no capital outlay if you have flair for marketing. Insurance companies are always on the lookout for young people to work as agents, mainly because independent agents receive their compensations in form of commission on the insurance sold. An added benefit is that insurance companies usually provide the best marketing training for their agents for free, thus it is a great platform for building experience in salesmanship.
17.       Blogging
This one needs little introduction in Nigeria, courtesy of Linda Ikeji. All that a blogger needs to start is a laptop with internet connection. Even some bloggers start from a cybercafé. Blogging has created many multi-millionaires and several billionaires in Nigeria. Obviously, Linda Ikeji is worth over a billion naira. Her house alone in banana island is worth over N700 million.
But starting a blog just for the money is not a good idea at all. If you want to go into blogging, make sure you blog on your passion. This is the only way you will be able to sustain the daily grind required to post constantly on your blog.
 Highly successful bloggers in Nigeria include Linda Ikeji, Uche pedro, Noble Igwe, and many others.


Fashion designing is almost like the food industry. It is always in vogue, because it satisfies the very basic need of clothing. The potential earning of a good fashion designer is unlimited. You can find fashion designers among the ranks of the world’s richest people.  Example Giorgio Armani, Ralph lauren, Dolce & Gabbana etc. One of the world’s richest men, Amancio Ortega is a fashion designer . Infact for just 2 days last year in the month of September, Ortega surpassed Bill gates to become the world’s richest man. Today he is still the 3rd richest man in the world with $71.5 Billion. Yes you need to know this, so you  will not despise the days of small beginnings. Amancio Ortega started ZARA with his wife, by designing and selling their own unique style of clothing. One book written about him is titled “From Zero  to Zara” to indicate his rise from grass to grace.
Even in Nigeria, The richest woman Mrs Folorunsho Alakija, started her business career as a Fashion designer (although at a higher level). And in case fashion designing is sounding too sophisticated, just know this, Fashion designing is nothing but tailoring combined with artistry, with packaging. And you can be a fashion designer even without knowing how to sew clothes.
Travel agents provide a variety of services to clients that include purchasing airline tickets, making hotel and resort reservations, creating itineraries for tour or cruise packages and providing information about specific destinations. These days, travel agents may work from home or at an office as most travel arrangements are made online. To start a travel agent business, it is helpful to have a working knowledge of travel agent software, customer service experience and experience in traveling to different parts of the world.
Also having a good network will help to start bringing in business. The most important factor critical to the success of a travel agency, is marketing and branding, followed by your ability to satisfy your customers and turn them into loyal repeat clients.
20.       CAR WASH
Kenno Car Wash is a business I know too well in Port Harcourt. The founder Mr. Ken, started his car wash business with nothing but a bucket and towel. Today, he operates about 5 different car wash outlets with modern equipment and a staff strength of at least 15 young men and women. He lives well now, with several cars and makes a monthly turnover that is far above the salary of many white collar jobs. I keep saying to young people, despise not the days of your small beginning.
You can help someone with skills and knowledge that you already have. And the easiest way to do this is by freelancing.
Freelancing is similar to contract work. It’s basically marketing yourself as an individual, offering your skills to businesses to do a task. You have no boss, no office hours and no public holidays. You work for yourself and it’s up to you to find work and pitch yourself to clients.
Elance is an online marketplace for freelancers. It’s a place where both freelancers can find work and businesses can find freelancers to work for them.
I know several people whose only source of income is freelancing. You will think they are jobless, but from time to time, you see them making withdrawals from ATM.
Nigerians doing freelance work on elance use payoneer card to withdraw their payment from any ATM in Nigeria. Another platform you can use to offer your services to the world is O’desk.
For those with the gift of the garb, you can market yourself as an MC or as a standup comedian. Pioneers like Alibaba, Basketmouth, Ay, etc has opened up the market for stand up comedy. One thing with this market is that it is talent based. If you are naturally gifted in this area, you will not have to worry about competition. And if you make it in this area, the sky will be your beginning. Added benefits include becoming a celebrity, becoming a brand ambassador, travelling the world and lots more. It is like being paid to have fun.
23.          DJ SERVICES
Do you enjoy spinning tunes, making people happy, and earning a steady stream of supplemental income?
Then a DJ business could be the perfect side hustle for you. Starting a DJ business requires enthusiasm, musical knowledge and equipment that can easily fit into a vehicle or trailer. These days most DJs are mobile, traveling around to different venues and events — unless they secure a steady job in a stationery venue — so equipment must be durable, easy to manage and set-up. With the proliferation of portable MP3 players and computers, many DJs no longer carry the thousands of vinyl records or CDs once required.
There are different types of DJs, some who perform in clubs and lounges and others that entertain weddings, private parties, graduations, etc. You should be clear about your idea and the type of DJ you want to be.
This business is for the technically savvy. Mobile app development requires mostly your brain power, time and creativity. Developing apps for androids and ios is a booming industry that is set to expand rapidly as more people switch to smart phones.
There are endless opportunities in this field. You can choose to develop business apps, productivity apps, games and entertainments. You can also offer your services to companies. Businesses now develop mobile app version of their websites and services and with proper research and marketing, you will be able to target those that can benefit from your experience.
There are many tools on the internet, to help you learn how to build android apps.  As a beginner, you should concentrate on building apps for android devices. This is because 85% of smartphones run on android and the market is still expanding.
The growth and mobile operating system dominance of Android will continue for the foreseeable future. Android app development is currently the #4 most sought-after digital skills, which means there are plenty of opportunities for freelance Android app developers. The money is also very good, with an experienced Android app developer making an average salary of $100,000 a year in the US.
Lot ladies have passion for arts and crafts, but are not turning it into a business. You must begin to see your skills as a bankable asset. Many people are willing to pay good money for your arts work, and the rapid adoption of smartphones and the internet has created a huge market for it.
You can easily sell your art work via many webstores like jumia, konga, etsy, etc and you can even build your own web store.
There are many arts and craft ideas you can exploit, the common ones are:
      Jewelries and bead making
      Handmade greeting cards
      Knitting and customized sweaters/pullovers (example for private schools)   Customized gift items
      Painting (Hope you heard that Dora Akunyili’s daughter auctioned just one of her painting for 1 million dollars!)
      Rack making
      Cane chair making
      Handmade bags and Purses
Vlogging is the video version of blogging. A vlogger takes a video of whatever he/she wants to vlog about, and uploads it to YouTube. Looks rather simple right?
Until you realize just how much vloggers can make in a year. Let me give you an idea.
Jenna marbles is a beauty vlogger. Mostly she uses her blog to teach young girls how to make-up. With over 15 million subscribers, and almost 2 billion total views on her videos, it’s no wonder that Jenna Marbles has joined the YouTube Millionaires club. According to Wikipedia, she is the top YouTube channel run by a woman. She is a perfect example of the YouTube rags to riches story. As recently as 2010, she lived in a small apartment that she paid for by go-go dancing, and working other odd jobs. Now she makes millions, and has a personal assistant and a business manager. She expanded her business by making stuffed animal toys out of her dogs, canoeing in other celebrity YouTubers videos, hosting a podcast with her boyfriend, Julian, and a radio show on SiriousXM centering around pop music.  Jenna Marbles is now worth $2.9 Million.
So if you have a smartphone, instead of just taking selfies, why not start vlogging and turn your passion into money
Babysitting is simply the act of taking care of someone else child or children in the absence of parents or guardians. When you engage in this act for a fee, it becomes a business; and that’s where the concept of the babysitting business was formed, taking care of other people’s children for a fee.
It is however important that you don’t mistake a babysitting business for a daycare business. Though they perform an almost identical task, their mode or style of operation is different.
A daycare center is structured in such a way that parents will bring their children to the center to be taken care of, only to return at a later time of the day to pick the kids up. While a babysitting service is usually carried out in the home of the client or parents.
A babysitting business grows into a Nanny agency, when you decide to recruit ladies who will do the actual babysitting. While you concentrate on building the brand, marketing and training of your Nannies.
Pet training can become a good business, especially if you are good with pets. Dog training is the major market in this area. Dog training is a tremendously rewarding career for Dog lovers. Dog training services are in high demand as pet owners continue to demonstrate a willingness to invest in the well-being of their animals. A dog training business can be a profitable option with a low start-up cost for those looking to become a part of the animal service industry.
A strong knowledge of canine behavior is critical to success in this line of work, as dog trainers must be able to modify inappropriate behaviors and encourage the development of desired responses.
While formal training is not strictly necessary, completing an apprenticeship with an established dog trainer is one of the best ways to learn the business and gain practical hands-on experience.
Many trainers do not rent a physical location from which to operate their business; rather, they travel to client homes or to boarding facilities to provide training exercises.
This helps cut down on the operating costs for the business. Additionally, there is very minimal investment required for acquiring equipment (perhaps a few extra leashes, clickers, treats, or other training aids). Overall, there is a very low overhead cost for this type of business.
This is a growing area today with very high demand. This career is a perfect fit for young millennials who may not have good work experience, but are very adept at using social media like facebook, instagram, snapchat, YouTube etc.
All big and small businesses today are massively using social media to reach out to their customers. Social media is now a very powerful means of communication, just like television was in the past.
Young people should realize that they can turn their passion for social media into a very marketable skill. The older generations are not very good with social media, so they are looking for young people who will manage their social media profile.
So just polish your skill, get branded marketing materials like business card, and head to any business around you as a social media consultant. You will continue catching up with your friends on instagram, while making money at the same time.
Experience the joy of making a difference by becoming a tutor. You’ll be part of helping somebody grow and learn and become who they are meant to be. You will also put your skills and expertise to good use.
There is a market for tutors for every standardized test in existence, and probably every academic subject at every level, from secondary school, WAEC, JAMB, to professional exams like TOEFL, Advanced computer certifications even catering. The list of subjects and areas you can tutor on, is endless.
Opening an advertising agency is a very lucrative business that you can start with little money. I read the story of a young Nigerian that launched a successful ad agency with just his laptop, and he is handling big clients today.
To be successful in this field, you should Consider taking courses that will help you run this business. While formal education isn’t required to start your own advertising firm, there are college classes that could be an asset to you. Of course advertising classes are an obvious choice, but getting educated in a few additional areas can help you properly manage your business and expand your profits.
       Management classes will help teach you the specifics of running a business.
       Accounting or finance classes will help you make sense of your financial records and manage your books. It may also allow you to forgo hiring an accountant to manage your finances, which will be a big savings for you.
       Graphic design classes can help you create visual advertisements. Otherwise, you’ll have to hire a designer if you want to do picture ads, which will be a significant expense.
I shared an article on our Face book page about a young keke driver Simeon Onyeukwu, who uses his keke solely to do school runs for busy parents. See the way he described the business:
“We are essential to single parents, who often have to combine parenting with their regular jobs. In such cases, we fill the vacuum by relieving them of the stress of having to drop and pick their children after school every day. To such people, we are like a bridge linking their homes with their children’s school. So, while they are at work, they are rest assured that their children’s welfare is taken care of in this regard. And it has become an avenue of earning a decent living for some of us.
“This business has become essential, as not all private schools have school buses, just as not all parents have their own vehicles to take their children to school. But children have to attend school, even if they have to trek. As most parents do not want to see their children stressed, they engage us and we relieve them of this burden.
I service 10 families of 48 children daily. I take them to school and bring them back. I begin work each day from 6.30am and by 8 to 8. 30am, I am through with the morning run. I go back again between 3pm to 5pm, when the evening session will be over. I sometimes run six times to and from the pupils’ homes and their schools because they do not attend the same school.
I charge N1, 000 per child per week, from Monday to Friday. If I am to do extra time such as taking a child to his/her examination centre, I charge differently for that. The business is good, but each time schools observe their three-week end-ofterm holidays, I go back to doing my city commuting business,” he said.
On how he gets his clients, Onyeukwu disclosed that it is mostly through lead. He explained that parents are interconnected and also discuss their common problems. So, whenever a parent has found a solution to any problem, he/she tells others.
I started by conveying my neighbours’ children and before I knew it, other parents were approaching me, offering different sums of money as incentive. At first, I found it amusing, but after considering the advantages and disadvantages in it, I realised it is a venture that would fetch good money. So, I decided to go into it, and ever since then, I have never looked back.
Do you know that I make about N50, 000 per week and close to N200, 000 per month from this venture? I don’t have to settle police, local government agencies or the area boys. The arrangement is just between the school, the parents and I. The business has taken away the stress and trouble of doing the normal commercial tricycle business, which I now do at my leisure,” he said.
I have also assisted a young lady to establish a school runs business. Fortunately she has a van, so she simply hired a driver, branded the van and launched her business, which is now doing very well.
Granted, this business requires that you have some sort of vehicle, so if you already have one, then you will not require much capital outlay, just some branded marketing materials and you are good to go.
Instead of just browsing the web for fun, you can convert the habit to profit, by doing surveys for some online companies. Online surveys are a great way to pad your paycheck on your own time and with minimal effort.  There are many legitimate survey companies out there, and money to be made but beware, this industry is also full of unscrupulous individuals, who will use you to make money and not pay you.
Make sure you look for only reputable survey companies, fill out all the required information, so that they will be able to send you more relevant surveys, and always check your emails, so you won’t miss out on any opportunity.
Although like many things on the internet, the world of online surveys is awash in shysters, it is perfectly possible to earn money with surveys. In fact, there are millions of people around the world doing it. Expect to earn a few dollars per hour taking surveys for legitimate market research companies.
What you can make will really vary and will depend heavily on which survey sites you’re a member of, the surveys they have available, and your own demographic. The best way to find out whether a website is legitimate is to read reviews, and check their social media presence (Facebook page, Twitter account, etc.) to get a feel for them.
Let me warn again that the only problem with this particular industry is that it is awash with scammers. Do your due diligence very carefully before joining any survey site and expect to make just a few dollars per hour.
Waste management is a sector in Nigeria that is begging for investors. With rapid urbanization, the quantity of waste generated by each household is increasing, and disposing it is becoming a problem in big cities.
Smart entrepreneurs with an interest in waste management, can start with waste disposal. I wrote an article on this subject in one of my blog post. You can read it here: http://millionaire.ng/the-400-billion-dollar-business-waste-managementpart-2/
Sometimes, businesses can hardly do without offering credit to their clients but there are times when it becomes very difficult to recover these debts that the company has to seek the services of debt collection agencies and recovery specialists to help with recovering debts owed to the company.
Debt collection agencies not only help the company to recover bad and doubtful debts, they also help with debt prevention and management.
It would be very useful to either work in a debt recovery capacity to acquaint yourself with the industry, or take a course on debt collection. As this is a new area in Nigeria, the latter might be a better option. To gain some experience and carve out a niche for yourself, you could approach a business after your course, present your certificate and express an interest to work as a debt collector on a commission-only basis. This means you only get paid when your client gets paid, and could be a very easy way of securing your first client with minimal risks.
With the fast-paced, high pressure professional lifestyles of today, more and more people have limited time to do their personal shopping. Holding down a full-time job, raising children, and maintaining a household doesn’t seem to leave enough hours in the day to get everything done. That’s why many people are now opting for a “service” to do much of their personal shopping for them—everything from buying groceries to planning and purchasing an entire wardrobe.
Within the past few years personal shopping services have emerged as a rapidly growing cottage industry with the potential for highly profitable large-scale operations. It’s a service that appeals to a busy, above average income clientele, as well as to corporate clients. And an enterprising person providing this kind of service can make substantial profits.
Personal shoppers turn errands and shopping into a vocation, serving clients who are too busy or simply unable to shop for themselves. Purchases might include groceries and other necessary items, but more often they’re clothing and accessories. As a home-based business, it’s ideal for someone who loves to shop.
A sense of style and a bit of marketing savvy are imperative.
A personal shopper typically interviews clients to get a firm idea of their tastes and their dislikes. Some go shopping armed with smartphones or digital cameras so they can transmit their finds and get approval before purchasing. Sometimes, the personal shopper and client go shopping together — it’s the shopper’s job to advise and guide. Some personal shopper services charge a percentage of what the merchandise costs, or they may charge by the hour.
Waste recycling is another segment of the waste management value chain that an entrepreneur can tap into. Demand for recycled products is on the increase from manufacturers of products. These enable the manufacturer to reduce the production cost of the product. Because recycled package material will be cheaper compared to the new one. 
Almost any kind of waste can be recycled profitably, although some will require higher capital outlay beyond the scope of this article.
Certain materials you can recycle profitably  includes:
      Scrap Metal
      Electronic Waste
      Bottles and Can
      Used Oil
We have a free course on the waste management industry for our members, so if you interested  in this business, we got you covered.
This is another industry that is growing today, as a result of the increasing hectic lifestyle of modern living. With proper packaging and marketing, you  can scale this business into millions of revenue. It is already well developed in western countries and is still a virgin market in Nigeria. Though the concept is new in Nigeria, Several people are already making millions from this business.
One of such entrepreneurs is Mrs Omotola Omosebi, Chief Executive, GmotyShop, Lagos. Running errands has made her dream a reality. She undertakes errands on behalf of people and organisations. Her company offers helping hands to those with busy lifestyle and schedule. It provides time-saving solution for busy people.
On how she started, Mrs Omosebi said the concept of GmotyShop was created when she realised how much she enjoyed helping and supporting parents and family members.
On how much she started the business with, Mrs Omosebi said she started from nothing. “Without much money to start, you can become an errand runner, she said and that the business is still growing. The business is not expensive to start. The start up cost is next to nothing. By using their service, customers can spend time doing the things they really enjoy. They don’t need to spend extra time picking up groceries,” she said.
If you can garden, you can be a beekeeper. It takes about the same amount of time and effort to keep your veggies producing as it does to keep bees. Bees require very little intervention from you to get their work done. They need a dry place to live that is protected from the elements, a decent source of water, and some food.
Honey is the most popular natural sweetener in the world and the global trade in bee products is worth millions of dollars every year. Due to its diverse use, the worldwide consumption of honey is so huge that supply can barely cope with demand.
Honey bee produces up to six different high-demand products used in a range of industries from food processing to medicine. Some of them are:
      Edible Honey
      BeeWax: beeswax has a much wider use than honey. It is used in food processing industries as an additive and a common ingredient in chewing gum. It has much wider use in the skin care and cosmetic industry where it has  been found   better than petroleum jelly in making products like lip balm, lip gloss, hand creams, moisturizers, eye shadow, blush and eye liners. Beeswax is also commonly used to make shoe and furniture polish, and has been used for centuries to make candles.
      Bee Glue or Propolis: Propolis possesses several properties that make it very suitable as an antibiotic and antifungal agent in the pharmaceutical industry. It is also used in natural medicine to treat various conditions, including inflammations, viral diseases, ulcers, skin burns and scalds.
      Royal jelly (or bee’s milk) is a special substance produced by worker bees and fed to the queen bee. Studies show royal jelly to be a good source of Vitamin B.
Like pollen, it is thought to have medicinal value and is used in certain expensive dietary preparations. It is consumed more in Asia than any other part of the world.
Consumption of royal jelly in China alone is more than 75 tonnes annually. In fact, China makes royal jelly chocolate candy and wine, as well as lotions and tonics for natural healing.
Becoming a security expert or consultant is a thriving business, as the growing middle class and upper class are getting more security conscious. The security industry as a whole is a multi-billion naira industry in Nigeria alone. There are so many areas you can offer your services. With some training and workshops, you can master several areas in the security industry. As a beginner, some of the areas you may think of are:
      CCTV Camera Installation
      Installation of tracking devices
      Provision of trained security guards
      Provision of trained security dogs
      Installation of complete home security systems
      Installation of electric fence
      Provision of self-defense training (For martial arts experts)
So these are the 40 businesses you can start with little or no capital outlay. It is by no means an exhaustive list, and as the society advances, more needs will emerge and more industries created.
One lesson from this article is that business is not all about having lots of cash and selling products, but more about meeting a need. We all have marketable skills that we can turn to a service and ultimately into a thriving business. Every big business you see today was once a laughable idea. Even banking that is much respected in some quarters, started as a despicable profession, reserved only for the “dirty” Jews, until the Rothschild family came along and revolutionized the industry.  Do not look down on the little skill you have today, start from somewhere and as long as you meet a genuine need, people will soon come knocking on your door. No one has a reason to be idle.