I provide a service so had no employees. I cashed out one of my retirement accounts to buy a pickup to use for my business, then was able to continue on what I was payed by my clients. This was a "retirement" business so I had many years of experience to go to our bank with.That was in January of 2016. Now I have enough credit at the bank to finance any necessary large purchases. If I had started with employees, or had to stock product it definitely would have been more... (more)