It really depends on what type of startup you are trying to create. If you are trying to create a high risk, high reward startup with million dollar cashouts (a potential &#x27;unicorn&#x27;), then yes, you need a lot of capital.<p>If your plan is to create a sustainable small business, with a small number of employees and a reasonable but consistent rate of return, then you don&#x27;t need a ton of capital.