Getting a business loan without repayment or interest is extremely unlikely from traditional lenders like banks. However, here are a few potential options to explore:

• Crowdfunding platforms: You can create campaigns on sites like Kickstarter or Indiegogo to get individuals to donate/invest in your business idea without set repayment terms. The catch is you have to really sell your idea and offer rewards.
• Grants: The government and some nonprofit organizations provide grants for certain types of small businesses. These are essentially free money you don’t have to repay, but grants are very competitive.
• Business plan competitions: Some organizations host contests for startup business ideas to compete to win prize money you don’t have to repay. The entry requirements tend to be intensive.
• Friends & family loans: People close to you might be willing to provide interest-free loans with generous terms to help get your business going. Make sure to put an agreement in writing.
• Business credit cards: Cards geared for businesses like the Chase Ink Card offer 0% APR intro periods, so you temporarily don’t accrue interest. But payments are still required.
• Angel investors or venture capital: These sources provide funding in exchange for equity in your company instead of set loan repayment terms. You give up ownership power.
• Personal savings/assets: Funding your business yourself with savings, retirement funds, real estate equity, etc. avoids debt. But this is very risky if it wipes out your assets.

The reality is that most legitimate business funding will come with repayment obligations and interest. But exploring creative options like the ones above could provide you more favorable terms if you have an idea with strong potential.