That statistic is real that 75% of businesses fail in the first 5 years due to lack of capital. I stress it all the time that its easier to build from the bottom up than build from the top down. Before I create a business: I am already building business credit on that company in case of a cash crunch. Not only that: I am investing some of that money i received from business credit in other viable business for those lean years...That's how the big boys do it: If you look at Wal-Mart for example; they are invested in shares of other companies. How do you think they survive :-)...Also just an added tip in case you didn't know: when you apply for business credit with a personal guarantor of course as being required now: the business credit do not show up on your personal credit report. The inquiries do but with a little know-how you can get those removed in 45 days top ==> Wash, Rinse, & Repeat. Excellent post by the way :-)