This is an unfortunate problem for many people.
Although most ebayers start small. By selling thier own stuff to make money. You would be surprised how much you can make off the useless junk you have sitting around. This also helps you build your feedback rating.
When I first started Me and my wife sold our kids clothes that they couldnt wear anymore. We then sold our entire Dvd collection which we had over 300 movies. and A broken Xbox we had. This built up our feedback quickly, and gave us enough money to buy our first bulk Lingerie lot with over 500 pieces. And the rest is history. Now we sell around 250 items per week and generate a steady income from our sales. Were not rich but were definately not worried about money anymore.
We never spent our investment money and we make sure to have at least 300 items in stock at all times so we have items to sell.
So for those of you without investment capital. Start small and sell your unused items. My younger brother has also done this to get started. He didnt have alot to get started with but he started by selling off a couple of old cell phones he had sitting around, now he is doing quite well.
Dont give up because funds are low.