ForumsFinancing Tips

Legal answer - over 18 can enter into a contract. non-legal answer - work on your weaknesses. How much time do you have - is you need immeidate?

You can quickly build your personal credit - all you need is three solid credit lines (with at least one being a term loan). But, lenders look at more than credit. They also look at your income and your debts. If you are in college - probably have student loans and no steady income. It is not just your credit.

As stated above - look for a partner - either one with money and experience or one with credit - or, look for someone (friends and family) that is willing to co-sign. You could even look at friends and family for the money.

Other options for you would be:

Peer-to-peer lending or micro-credit - both can provide amounts up to $25K - and will look at your credit but will also look at your story.

Have you asked the schools if they were willing to fund some of your expenses as you take your product out of beta?

Apply for evey credit card deal you get in the mail.

There are also equity investors that play in this space - look at Union Square Ventures.

Hope some of this helps