It really has to do with the kind of business you want to pursue. I've seen people start businesses wholesaling real estate with no cash or credit. But at some point, you'll need lead generation to really get going and a budget for marketing is a good idea, even if it's small. Free marketing can also be done but it takes longer unless you do joint ventures and that sort of thing.
I've tried all the programs out there when I first started in online business, but some money was needed for advertising and marketing.
You can definitely do something in business without experience. You'll learn along the way, make mistakes, and do better. Most of all, you can consider teaching others how to avoid the mistakes you made and what to do instead, via a program or product and make money that way as well. Learn. Apply. Teach,