 If you're starting a business and you take out a loan, you're a moron, right? Because there's so many uncertainties involved with starting a business, yet the one certainty that you will have to have is paying back your loan. And the bank doesn't care about your business or whoever you borrow from, unless it's family, doesn't care about your business. Small businesses don't fail for lack of capital. They fail for lack of brains. They fail for lack of effort.