I quite understand what you mean, because I also often see most business people who really need knowledge and interesting experiences from other business people. Because money capital alone will certainly not be enough to run a business because money is a tool that can be quickly spent and is always difficult to bring back if someone does not have so much knowledge and experience in that matter.
So in general every business person must have three capitals at once when they want to run a business, namely knowledge, experience, and money because the things besides that are like sweeteners such as having to be smart in taking advantage of opportunities and also having to be smart in seeing conditions that can be used as new opportunities for him.
The most important thing is not to take too many capital loans if the return post after being calculated is not able to cover the loan that has been submitted as the initial business capital because most entrepreneurs who still have minimal capital will try to boost it by applying for loans to related institutions.
If strong, I really agree with the technique you said above and that is the real combination to successfully run a business so that it is sustainable.