Starting a small business means risking an amount of money to compensate for the cost of start up. You will be facing a lot of challenges ranging from marketing strategies to business plan to goal settings. You will be risking all these elements because these involve your time and effort. At the top of this, you surely would not want to loss your money as much as the time and effort you have exerted. After all, it's about money that we venture on business. Money is one of the most essential elements in starting a business. You cannot start your business without money, but you can surely start it without somebody providing this for you.