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A lot of people nowadays dream to become owners of their own businesses. However, one barrier usually faced by these budding entrepreneurs is the cost of setting this up from the ground. There’s this common misconception that start-ups require people to have a deep pocket but that’s not always the case. There are businesses out there that don’t need a lot of capital. 

Curious about what these are? Read further to familiarize yourself with the best business options that you can build under Php 20,000. 

Option 1: Become a Financial Advisor

Cost: P3,565.00 (Php 1,010 each for the Traditional Exam and Variable Exam and Php 1,545 for the Licensing Fee)


  • Financial Advisor Application Form
  • Exam results from the Insurance Commission
  • TIN
  • Professional Tax Receipt
  • Valid Government ID Photocopy


A financial advisor focuses on guiding people into crafting their long-term financial strategies. They help you with the ins and outs of financial planning – from breaking investment jargon to you to expanding your investment portfolio. Some items that financial advisors assist you with include retirement planning, investments, tax planning, estate planning, health planning, and inheritance. 

Option 2: Establish a Milk Tea Business

Cost: Php 5,000 to Php 15,000


  • Business Permit
  • Stall / Kiosk / Cart / Shop (whichever is applicable)
  • Kitchen Gadgets (e.g. film sealer, electric sealer, milk tea shaker, measuring cups, straws)


It’s undeniable that Filipinos are milk tea lovers! As they say, there’s no right season or time for milk teas as consumers love to drink them any time of the day, all year round. 

What’s good about setting up a milk tea business is there’s a lot of flexibility. For one, it’s your choice if you’ll invest in a room overhaul and place a dining area where customers can hang out or you may just put up a simple cart or stall to target on-the-go drinkers. Another route you can take is to pair these milk tea drinks with merienda and draft a more innovative menu that will tickle the pallets of your customers. The scale and scope of your business will depend on you. 

Option 3: Open a Cleaning Business

Cost: Php 8,000 to Php 10,000


  • Business Permit
  • Cleaning Equipment (sponges, cloth, dustpan and broom set, gloves, vacuum, etc)
  • Cleaning Uniforms for Employees


With how fast-paced the world is moving now, a lot of people prefer passing minuscule tasks to other people. One of these is cleaning. 

Admit it or not, cleaning services are in-demand in the Philippines. Given the 8 to 5 pm workday and traffic situation, most people are already tired when they set foot on their houses. They would rather sleep or hang out with their families and friends on their free days. That’s how clearing services came about. This business requires little investment as you would only be needing the cleaning equipment and a handful of employees as your start. 

There’s an option to scale this as well especially if you enter business-to-business agreements. This covers hotels, restaurants, cafes, small offices, and more. 

Option 4: Set Up an Online Tutoring Business

Cost: Php 2,000 to Php 20,000


  • Computer
  • Headphones
  • Web camera
  • Microphones


In this modern time, learning has become more accessible. Having a tutoring business will enable you to share your knowledge with an increased reach. There are many possibilities for a tutoring business as your services may depend on your expertise or passion. You can be an academic tutor who will supplement their school coverage or a college entrance test tutor who will expose college-seeking students to examinations. There’s also an option to cover arts and teach your audience painting, singing, playing musical instruments, and more. 

Option 5: Start a Writing Agency

Cost: Php 3,000 to 5,000


  • Domain Name and Website
  • Relevant Writing Tools


If you’re a budding writer out there, there’s also an opportunity to grow by building a writing agency. You have two options – get clients and write for their business needs or invest in your website and earn passive income with it. 

If you’re not yet familiar with how to manage your own websites or blogs, it’s better to learn the ropes first by going with the first option. However, if you’re confident with your skills, there’s no problem in leaping to the second option. Just make sure that you’re writing that you’re passionate about to keep you going as you expand your business. If client demands are too much already, feel free to hire other writers that you can take under your wing.

Option 6: Invest in a Piso WiFi Vending Machine

Cost: Php 15,000 to php 20,000


  • Internet Hotspot Device
  • WiFi Vendicng Machine
  • Unlimited Broadband Plan


According to study, Filipinos spend 11 hours on average per day on the internet. Despite this, there are still people who fail to have access and this is where this small business idea can come in. 

A WiFi Vending Machine will enable people to connect to the internet at a limited time. All you have to do is to purchase this equipment and use it as a hotspot source that will charge a fee per minute. It can be as little as Php 1 per 5 minutes but you may also offer “discounted” deals at Php 10 per hour. 

Be Bolder With These Business Ideas! 

Now that we have shown you some of the best options, have you found something that you’re interested in? There’s a big world out there with endless possibilities even with a small capital at hand. Just make sure to study the intricacies of your business, from the target market.

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