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Do you want to start an online business, but you do not have capital? The good news is that there are so many part-time zero investment business ideas online.No investment business means that you can start them without any capital, and you will not have to pay anything upfront to get started.

The upside of these zero investment business online is that you do not need a college degree or any other special skills and expertise to make cash with them.

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Swagbucks is the number one get paid to (GPT) site on the web. In this site, you complete offers and get paid points called SBs. After you gather enough SBs, you exchange them into cash, gift cards, merchandise, shopping vouchers, and other rewards.

Swagbucks Alternatives: InboxDollars, LifePoints, TimeBucks, and MyPoints.

Ways to make money on Swagbucks

  • Get paid to surf: Surfing is simply the process of browsing the web. Swagbucks will pay you 10-20 SBs for every 20 web searches you make using their browser.
  • Get a free sign up bonus: Swagbucks gives free $5 sign up bonus to all new members.
  • Get paid to take surveys & polls: Make around 40-100 SBs per survey or poll.
  • Get paid to shop online: Earn points and cash backs. For instance, for every $1 you spend on shopping, you receive 3 SBs.
  • Get paid to use apps that pay: Test, review, download and install mobile apps and earn 15-50 SBs per app.
  • Get paid to play games: Earn more than 10 SBs for every game.
  • Earn Referral bonuses: Refer a friend and take 20% of their lifetime earnings at Swagbucks.
  • Get paid to watch TV: Most of us love to watch TV and videos. Swagbucks will pay you approximately 3 SBs per 30-minutes video/TV show
  • Get paid to complete daily goals & tests: For example, earn more than 10 SBs for every goal you accomplish. Or find and use swag codes and make more than 5 SBs per Swag code.

Read this post for more details: 10 Ways to make Money on Swagbucks



A) Survey Apps

 Pinecone Research: One of the best survey site and apps out there that will pay you to complete simple online surveys. Countries accepted: Germany, United Kingdom, United States, and Canada.

Survey Junkie: (READ REVIEW) for every survey you complete on this site, you shall earn points which you can redeem into cash or gift cards. For example, 1000 points are equivalent to $10. They pay up to $50 per survey, which makes it the best survey app.

Harris Poll Online: This survey company has been operating for the last 45 years. Therefore, they have many highly-paid surveys because they have built an extensive clientele over those years. It’s mainly used by people in Canada and the United States.

Read & Refer: 50 Survey Sites for 2019

B) Get Paid To…Sites

 Swagbucks: Make extra cash through watching videos, shopping online, surfing the web, taking surveys, using gift cards, and reading emails among other tasks.

InboxDollars: A site you can get paid to read emails, watch videos, take surveys, take tests, and complete other short offers.

LifePoints: You will get rewards in the form of cash, gift cards and PayPal money transfers, which takes 4-8 weeks processing period. It will take you around 5 to 10 minutes to complete a survey, which pays around $0.5 to $1.25.

CashCrate: Get paid to take surveys, watch videos, shop online and complete other offers. You can easily earn more than $30 daily.

FusionCashGet a $5 sign up bonus then make extra cash by completing surveys, watching videos and completing other short tasks in this site.

MyPoints: Earn points after taking surveys, shopping online and watching videos, then redeem those points into cash, gift cards and other prizes.

MySoapBoxShare your feedback about products you use and other things you do daily and earn cash in return.

C) Money Making Mobile Apps

 Nielsen: Earn $50 from this app after you download, install and keep it active on your phone.

Shopkick: (READ REVIEW) an app for smartphones, iPhones, Tablets and other electronic devices that will reward you after you complete several activities, such as shopping, linking shopping cards and walking into stores among others, during your in-store or online shopping processes.

Getaround: Instead of hiring a driver, some people prefer to rent a car or vehicle for a given period. You can use this site to list your vehicle as property available for renting.

 Read & Refer: 60 Money Making Apps That Pay


Shopkick (READ REVIEW) is an app for smartphones, iPhones, Tablets and other electronic devices that will reward you after you complete several activities during your in-store or online shopping processes.

Shopkick Alternatives: Ebates, Drop and ShopAtHome

Ways to make with Shopkick

  • Walking into stores: All you have to do is turn on the app anytime you walk into your favorite store to earn kicks.
  • Scanning barcodes: All you have to do is turn the app on then hold your phone close to the product barcode.
  • Submit shopping receipts: Do not through away your shopping receipts anymore because this app will pay you to share them with their team.
  • Link your credit card: Do you love to pay with your credit card? If you do you can link it to this app and you shall earn kicks for every dollar you spend.
  • Invite friends:For every new member who signs up using your referral code, you shall get 250 kicks.
  • Watch videos:Check out the in-app promotion videos to make money with this app.
  • Scan QR codes from home:If you do not have time to go into stores you can also submit online QR codes to make more money.
  • Shop online:You can also shop in Shopkick partner stores to earn more kicks.

D) Bills Lowering & Negotiating Apps

They say that money saved is money earned. These app will help you to save money more and spend wisely, which will increase the about of cash you have left for investment.

Mint: Make better budgets, financial planners and other budgeting tools in this app.

Trim: This is one of the best financial advisors and manager you can use to track your expenses and create a smart budget.

Bloom: An online robo advisor that will help you to make better investment decisions when it comes to managing your 401(k) account and contributions.

Credible: Refinance your students loans with this app. Refinancing is the process where a third party pays off your existing loan (usually one with a higher interest rate), and then you shall get a new loan (with a lower interest rate).

E) Shopping Apps

Ebates: Use this app to make money when shopping by getting cash backs, shopping at the lowest prices and finding coupon and discount codes.

Drop: Use this app to earn points when shopping and find the best gift cards.

Shopkick: Scan barcodes, send shopping receipts, take shopping surveys and watch videos in this site and make money from your shopping knowledge and expertise.

National Consumer Panel: Take surveys related to what you shop in this panel, and make extra cash every month.

Avon: Become an Avon sales representatives and for every customer who shops in this eCommerce marketplace, you shall earn a 40% commission.

F) Product Test Jobs

TestIO: This is is one of the best sites you can use to find gigs related to testing apps, websites, software, and other products. UserTesting and UserFeel are similar sites.

Slicethepie: One the best music review sites out there that will pay you to listen and give opinions on music track records. For example, you can easily make above $2 per hour in this site for doing short, simple tasks.

Product Testing: You shall receive free products samples you are supposed to use and give feedback about their effectiveness and suggestions for improvement.

D) Unsecured Loan Sites Online

Zippy Loan: A site which prides itself in providing its clients with fast personal loans using a simple, secure and transparent process. This is the best place to get a personal loan because you do not need any form of security, meaning that to qualify you need to prove your identity and regular source of income.

Credit Sesame: A finance wellness platform that will help you to manage your finances better through helping you to understand your credit scores and loan health status.

Read & Refer: 10 Sites to Get Unsecured Loans Online


Zippy Loan is a site which prides itself in providing its clients with fast personal loans using a simple, secure and transparent process. They have over 100+ loan lenders who provide a wide variety of unsecured loans for bad credit, which suits the needs of anyone willing to get a personal loan.

Zippy Loan Alternatives: MaxLoan365, TakeLend, and BadCreditLoans.


  • All states in the United States are accepted except for New York, West Virginia or the District of Columbia.
  • The amount you want to borrow must be within the range of $100.00 to $15,000.
  • You must complete all the four steps above on “how it works” section to get your loan approval.
  • Must be willing to work with the Lending period: 6 – 72 months.


  • The process is simple, fast, secure and reliable.
  • The funds are deposited directly to your account within one business day.
  • All credit types are accepted even for people with a bad credit score
  • They have a large pool of lenders 200 and more
  • Their repayment period is more extended than in other sites.

Read this post for more details: 10 Unsecured Personal Loan Sites for Bad Credit



Blogging involves writing about a topic/niche you are passionate about. You can blog on almost any topic you are passionate about under the sun, such as food, traveling, nutrition, pet care, and golf among others, which makes this one of the best online jobs out there.

Remember to use these links to get 50% off Bluehost Hosting (from $7.99 to $3.95 per month) and a Free Divi Theme Trial (the best WordPress theme-I use it on Sproutmentor.com, you can read more details about the Divi theme here).Divi WordPress Theme

5 Steps To Building a Money-Making Blog Summary

A) Pick a Niche & Domain Name

You can find a profitable niche through several strategies, such as keyword research, market research and your passions/hobbies analysis as explained in this post on three quick hacks to finding your right niche.

There are many profitable blog niches, such as those related to money, personal development, fashion, food and health among others.

A domain name is a string of characters or a network address, which users and search engine with use to access your website. For example, Google.com, Facebook.com, and Yahoo.com are all domain names.

Read & Refer: A 2019 guide to Domain Names & Blog niches

B) Pick a Blogging Platform

There are many free blogging platforms, which you can use with zero cost and investment, such as WixWordPress.comBlogger and Medium among others. However, the downside of using a free platform is low security, lack of flexibility, limited resource options and you have little control over the design.Therefore, when your blog grows you should consider moving to a self-hosted blogging platform, such as WordPress.org. I started this blog on Bluehost self-hosted hosting package then moved to Siteground WordPress hosting when the blog grew.


C) Write SEO Optimized Blog Posts

Read this post to learn how and where to generate blogging ideas. You should also check out this other post to understand how to perform search engine optimization on your blog posts so that you can get organic traffic from search engines. SEO is divided into two:Onpage Seo factors and Off page Seo factors as summarized in the image below.

Read & Refer: How to rank number one in Google in 2019 (SEO TIPS)

D) Monetize Your Blog

Blogging is one of the best online business to start with no money because you can use the strategies below and many others to make money fast.

  • Affiliate marketing:Earn money by promoting other merchants products through placing affiliate links within your blog posts, and receiving a commission every time a customer makes a successful sale through that link.
  • Advertising:For example, you can use Google AdSense ads to make money or other ad networks.
  • Sell digital products: Create your products, such as courses and e-books and sell them to your blog readers and audience.
  • Offer services: Get paid to offer several services, such as consulting, coaching and content writing among others.

Read & Refer: How to monetize a blog the right way in 2018

E) Drive Traffic to Your Blog

There is no use in writing many blog posts, and no one reads them. Unfortunately, you cannot write a blog post and sit back hoping that your target audience will find it without you promoting it.

There is too much competition in an internet space with over 3.9 billion users and 1.9 billion websites. For example, 2.4 million blog posts are written daily, which means your blog post will get lost in this sea of competition if you do not promote it.

Email marketing, forum marketing, influencer marketing, social media marketing and search engine marketing are some of the ways you can use to promote and drive traffic to your blog.

Read & Refer: How to promote and drive traffic to your blog


Freelancing is a business where you offer services to people then they will pay you for the tasks you complete. In the online business space, there so many freelance services you can offer to people, which makes this one of the best online businesses without investment.

A) Tutoring

Do you love teaching kids or adults? Most tutoring sites, such as Course HeroVIPKID and Education First will pay you more than $12 per hour to teach English and other subjects. Read this article on online tutoring jobs if you want to make money online by becoming a teacher.

B) Virtual Assistant

Most online entrepreneurs without an in-house team of experts for several tasks, such as social media profile management and bookkeeping among others will need the services of virtual assistants. Would you like to become a Pinterest Virtual Assistant? Click Here to Sign up to Pinterest VA Course now on the limited time offer which will help you to save $159! Therefore, this is zero investment business where you help people to complete short tasks, such as social media scheduling, calendar management and writing planners among others. Zirtual and Upwork are some of the best places to get.

C) Transcription

A transcriptionist is tasked with the role of listening to an audio file then he/she records those words, phrases, sentences and statements into a document, such as Microsoft Word or Google Docs. I recommend you take this online course; General Transcription Theory & Practice that will teach you how to make more than $5 per word through transcription. If you are not ready to purchase the paid option, you can start by taking the FREE Mini General Transcription Course. It is one of the best online courses because it is created by a six-figure transcriber and the founder of TranscribeAnywhere.com.

D) Data Entry

Data entry is simply the process of transferring information from one place to another. In most cases, the data is collected from a hardcopy document, such as a sales receipt, then it’s recorded in a softcopy version either in word documents, spreadsheets or any other similar software.Related Post: 15 Online Data Entry Jobs from Home Hiring Now.

E) Writing

There are many types of writing jobs, such as article writing, academic writing and copy writing among others. FiverUpwork and Freelancer are some of the best freelance marketplaces you can get these types of gigs. I recommend you take the Write Your Way To Your First 1K online course that will teach you how to make more than $200 for every 500 words you write. It is one of the best online courses because it is created by Elna Cain from InnovativeInk.com, a six figure freelance writer and blogger who earn $500+ per gig.

F) Proofreading

Proofreading is the process of reading a document word after word with the aim of identifying any grammar, punctuation and coherence errors which might have been missed during the process of editing. Check out 40 proofreading companies that are always hiring.



A) Handyman

This job involves completing short and small manual tasks, such as moving and packing, furniture assembly, mounting and installation of equipment and home décor among others.Sites to find such jobs: TaskRabbitHandy, Spare 5mTurkAirTasker and Coin Bucks among others.

B) Pet Sitting

There are many forms of pet sitting jobs, such as dog walking, pet grooming, pet training, and pet cuddling among others. Use Rover.com to find pet sitting jobs.

Related Post: 5 High-Paying Jobs for People Who Love Pets

C) Babysiting

There are many types of jobs you can do in this category, such as in-home nannies, and baby sitters among others. Sittercity is one of the best places you can find caregiver jobs, such as being a in-home nanny or caretaker for the elderly. The upside is that to join is completely free and fast!

Related Post: 12 High-paying Babysitting Jobs For Caregivers

D) Driver Jobs

Do you love vehicles? If you do, there are many ways to create a freelance car business, such as a) driving people at Lyft or Uberb) renting your car at Getaround or Rental Cars and c) delivering packages to people at Doordash or Shipt.

Related Post: 25 Companies Hiring Drivers Now!



Selling stuff online is one of the best online business without investment.

The good news is that you can sell anything on different online platforms as long as it is in excellent condition and it solves a problem a specific buyer has in their life in this best online business to start with no money.

These can either be old stuff you do not use anymore, reselling other peoples products for a profit or selling products you create from scratch.

Below are 11 sites that allow you to sell different things online:

Decluttr: You can sell anything from CDs, DVDs, games, cell phones and even other items that are not electronic, such as books.

CafePress: This is one of the many places you can sell handmade products, such as T-shirts, mugs, and clothes among others.

Shutterstock: High-quality stock images and photographs will always be in demand. Luckily, many sites will allow you to sell your photos and make money out of that fantastic hobby.

Udemy: This is one of the best platforms you can use to sell and market your online courses. The site is popular and has more than 1 billion users, which means your classes will have higher exposure to your target audience.

99 Designs: Do you know how to design logos, business cards, flyers and all other types of creative designs? If you do, 99 Designs is a marketplace for designers where you can find high paying gigs which match your design skills and goals.

LetGo: A mobile app that will help you to buy and sell things online, such as cars, electronics, movies, books and clothes among others.

eBay: Sell anything on eBay, such as shoes, bags, electronics and any other belonging or merchandise you would like to get to the right customer.

Gazelle: Buy and sell smartphones both new or used and other electronic devices on this network.

Cash4Books: Earn money online through selling new or used books.

Fashionphile: Sell used clothing that you do not need any longer.

OnceWed: Sell/buy wedding dresses.


Affiliate marketing is one of the oldest and most common online business without investment where you promote products produced by other online entrepreneurs.

It is one of the best online business without investment because most affiliate programs are free to join with no start-up costs and strict barriers to entry.

How does affiliate marketing work?

  • Firstly, join an affiliate program either directly through the merchant website or apply to affiliate products on affiliate networks, such as ShareASaleMaxBountyClickbankAmazonAssociates, and Commission Junction among others. Some of these affiliate networks will approve your account even if you do not have a website/blog, but most require you to have a website.
  • Secondly, get affiliate marketing materials and promote them in this online business without investment. These materials can be links which you will paste into your content or banners you can put on strategic locations on your website.
  • Buyers, readers, and viewers will click on the link and buy from it. The affiliate network or company will track the sale and record it.
  • After a successful sale is recorded you will earn a commission out of the total purchase. For example, if you are promoting Divi WordPress theme, you will get 50% commission out of the whole profit.


Places To Promote Your Affiliate Links Without Paying Anything.

  • Pinterest: Learn how to create pins with affiliate links from these two guides: How to use Pinterest for business.
  • Lead pages: Create affiliate marketing landing pages and sales funnels with lead pages to make an affiliate sale.
  • Linkedin: Use Linkedin groups, company pages and publishing to promote your affiliate links to make a sale.
  • Ebooks: Add affiliate links in your ebook to make money online.
  • Podcasts: Start a podcast free with zero investment and then monetize it with affiliate marketing.
  • Facebook: Create Facebook profiles, pages and groups then use affiliate links on them the right way to make money online.
  • YouTube: Create a Youtube channel for online business and monetize it with affiliate marketing the right way. Remember you must offer valuable content before people can buy from you.
  • Forum Signatures: Join forums, such as Quora, Reddit and Warrior Forum among others and then engage in the conversation and drop affiliate links where relevant.
  • Hubpages: Visit this link to understand how to earn money online with Hubpages through affiliate marketing.

Read More: What is Affiliate Marketing & How it Works.



Drop shipping is one of the best online business without investment because one does not handle inventory directly. In this best online businesses to start with no money, you will not purchase the stock directly and store it in your warehouse like in other online store business models.

First, you will need to identify your niche market and the right products to sell to the buyer personas in that market. Then, you will need to do some market research to identify best drop shipping suppliers.

Finally you now need a platform (either a website or online store) where you shall promote your products and link your customers to suppliers. You can create a free website on Wix or an online store on Shopify and BigCommerce.

There are many people makings lots of money with drop shipping, such as this case study of Asif Siddiqui. Therefore, you can also make extra cash every month with this business model as long as you launch it correctly.


Advantages and Disadvantages of Dropshipping

Requires little or no capital investment Low-profit margins
Easy to operate, learn and get started Likely to run into inventory issues because you are just a middle merchant who transfers the role of shipping to another person.
Low overhead Many customer service issues which are likely to result in distrust.
Flexibility because you can run it from anywhere High chances of falling into dishonest suppliers and drop shippers.
Wide products selection base High competition
Availability on many wholesalers and suppliers
Easy to scale

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BIG Daily Profit Formula


This guy makes more than $41,000 weekly, and he is now teaching other people the SECRET to making MORE money, while working LESS time! 

This method works for ANYONE, even beginners without prior experience in making money online. 

It is a budget-friendly formula because you shall rely on FREE traffic. 

I am CONFIDENT you have NEVER heard about or used this strategy before!

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