Think about this possibiity - what if every person you meet gave you a viable referral, and that referral turned into a client? You believe in your product/service, so much so, you attach your name to it - think about the positive impact you can make by reaching one more person (and their family).
We choose our business (traditional or home-based) because we resonate with how we can help people live better lives. Have the courage to ASK for a referral, and help your person introduce you by having something pre-written to avoid delays because "I'm too busy or I don't know what to say" creeps into their mind.