Business Growth Made Simple: Genesis Business Strategies

Start-Up Money: Why Cash Builds Businesses and Debt Destroys Them

Episode 22

Send us a text


Today we’re tackling one of the hottest topics inside every entrepreneur Facebook group right now: how to start a business without going broke, going into debt, or going crazy. If you’ve ever wondered whether you need a loan, investor, or pile of cash to get your next business off the ground—this episode will bring clarity, relief, and maybe a good laugh, too.

Steve breaks down the real data behind start-up failure rates, why 82% of businesses collapse due to cash flow problems, why debt-funded businesses fail more often, and why the most successful small businesses today are the ones that grow at the speed of cash instead of drowning in payments and pressure.

Packed with relatable stories, lightly faith-rooted principles, and practical how-tos… this episode is designed to calm your nerves and sharpen your strategy. You don’t need a giant loan. You need clarity, discipline, and a plan.

In This Episode You’ll Learn:

  • Why “I need start-up money” is usually a myth
  • The real failure rates small businesses face
  • How debt creates pressure that kills young businesses
  • Why cash-funded businesses survive longer and grow stronger
  • The mindset shift that separates scrappy winners from overwhelmed borrowers
  • How to start lean and smart—no matter your industry
  • The truth behind those “$36 to $300K” success stories

Key Stats & Insights:

  • 82% of businesses fail due to cash flow issues (U.S. Bank)
  • 65% of businesses that start with debt fail within 10 years
  • 20% fail in year one, 50% by year five (SBA)
  • Businesses started with personal savings last longer (MIT/Kauffman)
  • Owners spend 2–3x more when spending borrowed money vs. cash (HBR)

Episode Highlights:

  • “Money multiplies whatever you already are. If you’re disciplined, you’ll get more disciplined. If you’re sloppy, you’ll get sloppier—with nicer equipment.”
  • “Debt demands perfection on day one. Cash allows you to learn.”
  • “You don’t need a loan. You need clarity.”
  • “Grow at the speed of cash, not the speed of pressure.”

CTA:

Steve’s 90-Day Accelerator kicks off in January — and every seat is already taken. If you want early notification the moment the next cohort opens, join the waitlist today. Spots fill fast for a reason.

When you are ready to move forward with help, here are some ways you can work with us.

Topics include:

  • Small business growth
  • Service business coaching
  • Business Growth Consulting
  • Time management for small business owners
  • Leadership for small business
  • Small Business Growth Strategy