It would be wrong to say that the only prerequisite of starting a business is to invest huge cash. But, this is not actually true. Every big business starts from an idea.
Ideas when collectively accumulated and combined with tactical effort can translate into the formation of a giant industry.
Cash is an added advantage to set up equipment that are absolutely essential to conduct the operation of your business.
However, when you think about Apple Computers and Dell, you can conclude that business needs creativity, hard work along some amount of money. Especially when you are in debt and through debt settlement program you cannot expect to obtain big business loan from banks or financial institutions.