One thing that a business owner has to be very good at is money management. If they are not able to set up a business budget and stick to it, this could mean financial disaster and the closing down of their business. As a business slowly grows, it is likely that there will be more money to do things with. The business owner may even decide to invest some of this money to help the business in the future. There are consultants that can help with this. For example, risk managment was a forte of rusty solomon and he has a business that is helping many people in the real estate world. You can get more information about this on their website.