The Myth of Undercapitalization - Six Ways Entrepreneurs Achieve Success in Spite of Start-Up Money

This year more than 17 million people will becomeresources are insufficient or the cost is too great,
entrepreneurs, according to the National Associationyou need to rethink the goal. This does not mean to
of Self Employed (NASE). By the end of the year, 8reject it as it may simply need to be tweaked
million of them will return to the corporate worldslightly. If the goal is too soft, go back to step one
because their entrepreneurial effort did not succeed.and two and increase your expectation or shorten
Many will say the businesses failed because ofthe timing. If the second phase validates that the
insufficient capitalization. Actually under-capitalization isgoal is possible, you can continue the road to
not the cause of failure, but a symptom of a farsuccess!Assess your strengthsThe third component
more serious problem.Many experts will say thatto position yourself for success is to assess your
undercapitalization is the main reason for the failurestrengths. Assessments are done online by answering
of an entrepreneur to achieve the dream of havinga series of questions to reveal your competitiveness,
their own business. They will point out that failingsales drive, persistence, and other aspects of your
entrepreneurs did not start with a large enough bankpersonality.When I started MaxImpact, a leadership
account to offset the period it takes before aand organization development company in Rochester
business is profitable. Statistics always back up thisHills, Michigan, I decided to take three different
theory because, sure enough, the money has run outassessments. To be honest, I took them because
before the business is profitable. Therefore, theythey are a product offering of my company.
argue, the theory must be accurate.Hogwash!TheHowever the information I learned was extremely
fact that capital ran out before a business isvaluable. For example, the assessments showed that
profitable overlooks other factors having an impactI had a real challenge in cold-calling.They indicated I
on capital. Yes, the business failed because it ran outwould always be reluctant to make the first call, but
of money, but under-capitalization is not the culprit.once I made one call I would find subsequent calls
Let me explain.In 1952, an interstate highway waswould be easy for me. As a result I force myself into
built to bypass the town of Corbin, Kentucky. A smallthe first call by making it a "soft-call". By not allowing
motel owner saw this as potentially the end to hisfor interruptions, I can continue for dozens of
business so sold off his entire operation to payadditional calls.Assessments are an inexpensive way
outstanding debt. Penniless, he took his first socialto enhance your ability to negotiate, close a sale,
security check of $105 and decided to use it to startmake decisions and much more. They are a critical
a new business. With no other income, no savings tostop on the road to success.WHEN YOU'RE READY
draw on, this small check represented his onlyTO GOFind someone to hold you accountableIn
capitalization. He developed a product and traveledcorporate America workers always have a supervisor
through the area looking for restaurant owners thatto whom they are accountable. On the other hand,
would sell it, giving him just five cents for each onemany entrepreneurs feel they are their own boss
sold. Twelve years later he sold his business forand do not need a "supervisor". This view overlooks
two-million dollars. Twenty years later the businessthe fact that even a corporation's CEO is held
would be sold again, this time for $840 million, withaccountable to the Board of Directors.The reality is
the stipulation this entrepreneur would remain thethat entrepreneurs with a mentor, accountability
spokesperson. It seemed appropriate because thepartner, or one-on-one coach outperform their
inventor, a gentleman by the name of Colonel Harlancompetitors. I gained some first hand experience
Sanders, had become one of the most recognizedwhen I started to work with an entrepreneur in
people in the world.Dave and Lucile moved into theColorado. We had a weekly telephone meeting to
first floor flat of a house at 367 Addison Avenue,share each other's goals and exchange ideas. Initially
Palo Alto, California. Soon, Dave would begin workingthe calls were nothing more than justifications as to
part-time in their garage with Bill, who rented thewhy we had not reached our goals from the prior
cottage behind the house. Together they had $538 inweek. Eventually we both tired of making excuses
working capital and a used Sears-Roebuck drilland began challenging each other. We developed a
press.Bill had been studying negative electronicmodel that enabled us to be challenged to make real
feedback. They tinkered together and made aprogress in our businesses. In a less than two months
gadget they called the audio oscillator which theywe had become so busy it was difficult to schedule
called the 200A "because we thought the nameour calls around our increased client appointments.We
would make us look like we'd been around forboth continue to use our process to help others
awhile," says Dave later. The Walt Disney Companyfocus on moving themselves closer to reaching their
ordered eight oscillators, giving Bill and Dave'sgoals.DifferentiateRobert Middleton, the author of
company, Hewlett-Packard, the ability to grow into"Info Guru", says you must "differentiate or die". He
the corporation we know today.These are two ofcould not be more correct. Let's say you are one of
the more prominent mega-companies that werethe hundreds of realtors in any given area. In a game
under-capitalized when they started. Smallerof numbers you will get a certain amount of business
companies share in success despite a lack of start-upregardless of what you do, but not enough to thrive.
capital.Steven and Bennique Blasini started BFXIf you are patient you will pick up referrals from past
Imageworks in Hollywood in 2001 without any capital.customers, but still fall short of real success. Now
They lived off savings for six months and used theirimagine that you are able to differentiate yourself.
existing home computers to build their business. In aLet's assume you live in a transient area where
few years they grew into a multi-million dollarpeople from another geography location, say Texans,
company, winning awards for their cinematographywere constantly moving. If you were able to
work.establish yourself as someone who completely
These people have proven the secret to success isunderstood what a Texan was looking for in housing
not capital related. The secret lies within each of us.style, property amenities, and neighborhood assets,
Let's look at what it takes to be a success.BEFOREyou would be able to shorten the time it took
YOU STARTSelect the right businessWhen theTexans to find the home of their desire. Now you
entrepreneurial bug bites, many people decide to doare differentiated.The Blasini's low overhead allows
what they have always done. Although this maythem to work with smaller Hollywood Studios that
seem to be a logical step, it is not necessarily thecannot budget to work with the larger competitors.
best move. When selecting their entrepreneurialThis is one of their success secrets.You need to find
venture, one must consider the lifestyle they desire,a significant way you add more value than your
the business location, what they have to invest incompetition. Something as simple as, "I provide
their business, and how they can add value to thepersonal service" is not good enough. This type of
sea of people already in the same business in thestatement solicits the response, "Well I should hope
same area.A friend of mine, Greg Doyle, coachesso." To make an impact your prospect needs to say,
people transitioning from the corporate or academic"Wow!"The bottom-line: if you cannot make a
worlds into the entrepreneurial world. He helps hiscompelling argument as to why someone should deal
clients discover a business that best matches theirwith you instead of your competitor, you are
goals. Greg finds that 95% of his clients end upoperating with a huge handicap.AFTER YOU
discovering a business that they say they wouldOPENUnderstand best-in-class customer serviceMost
never had considered on their own, or that they hadentrepreneurs feel they already know enough about
prematurely dismissed.Know how to turn dreams intocustomer service based on their own experiences as
goalsThis could very well be the biggest stumblinga consumer. The shortcoming of this belief is that
block for new entrepreneurs, and continues to be athey only know the specific things they have
struggle for experienced businesspeople.It is easy toconscientiously noticed. Best-in-class customer service
have dreams. Young girls dream about meeting ais more like elevator music - you don't notice it until it
handsome prince and having a magnificent wedding. Ais missing.Customer relations are vital to the success
young boy becomes captivated by a sport andof a business. Every professional should personally
dreams about making the final play to win theunderstand how to deliver customer service that will
championship. A new entrepreneur dreams aboutnot only retain their existing customers; it will create
opening their business and then retiring on the beacha customer base that is consistently telling others
in Maui. Why is it that only a small handful of peopleabout what a great person or company you are to
attain these, or any dreams? The answer is reallydeal with.Best-in-class customer service is not a
quite simple; they know how to turn their dreamsone-time lesson to be learned, it is a continuous
into goals.Success is a matter of taking a dream andlearning process taking advantage of personal ideas
turning it into a goal. It is more than semantics. Acoupled with the experiences of others.Putting it all
dream is a desire while a goal is an actionable plan.ThetogetherAlthough it would be naive to suggest capital
transition from dream to goal involves four steps:1.is not important in a business, having validated goals,
Assign measurable actions. Determine what needs toas mentioned here, are much more important. These
be done in pursuit of your dream. Be specific, listinggoals are bolstered if the business has a personal
big actions first, then "chunk" the actions into thematch to one's interests and desires, if a qualified
smaller components that will make them happen.2.accountability partner is enlisted, strengths are
Apply an element of time. Take each of theunderstood and exploited, and the entrepreneur is
measurable actions and assign a start and end datecontinually looking to increase knowledge and skills -
to it. It is acceptable to have more than one activityespecially with regard to customer retention.Any
at the same time unless the task requires your fullentrepreneur CAN succeed if they follow these six
attention.3. Examine your resources. Even people thatsteps, whether or not they take them in order. The
have mastered the first two steps falter at this step.key is to admit to yourself that no matter how
Examining your resources requires a hard look atsuccessful you have been in the past, the world of
what you have at your disposal. Resource needsentrepreneurialism requires special knowledge and
could include licensing, knowledge, office or retailaccountability. If you are entering into this very
space, materials, vendors, office supplies, a methodrewarding world, make sure you get the help you
to receive and deposit income, bookkeeping, referralneed.Rick Weaver is President of Max Impact, a
sources, and a variety of other possibilities. Benational leadership and organization development
extensive in your list of resource needs by thinkingcompany based in Rochester Hills, Michigan. Rick is an
of different customers from the time you get theiraccomplished business executive with experience in
attention until post-sale.4. Examine the cost. Look atretail, market analysis, supply chain and project
both financial and opportunity costs required tomanagement, team building, and process
achieve your goal. Financial costs include the cost ofimprovement. He has worked with hundreds of
opening and sustaining your business until it becomescompanies to improve sales, processes, and
profitable. Opportunity costs refers to what you willbottom-line results. MaxImpact offers leadership and
have to put on hold in pursuit of attaining you goal.organizational development services along with
For example, you may find that boosting your salesemployee assessments and background checks.
will mean you forego a vacation next summer.If