Building a Business That Does Not Require a Loan?

Geken says, i just bought journals from dan graziosi, grazio antony robins. They're going to help me write my financial statements. Lucy says, these days, my life motto is, less stuff, more experience. It's experiences in life that are great. But e yalikobdo saying again, following up, if i want to build a business with a loan from a bank, my chance of failure is higher, yes? So don't do it.