You really need about a million dollars to make a marketable product. (not a lifestyle business) You can either put a million dollars of your own blood, sweat and tears in, in which case it&#x27;ll be the wildest ride of your life, or you can deploy capital.<p>It looks like it&#x27;s just code but it&#x27;s not. There&#x27;s a dizzying array of skills and knowledge you must be able to deploy effectively. If your product is not in an established industry and niche, if a bank can&#x27;t understand you, that makes everything much, much harder. There&#x27;s a reason franchises do so well.<p>When you get started, you don&#x27;t know what&#x27;s going to hose you. It&#x27;s easy in retrospect to say that they shouldn&#x27;t have messed around with a business model requiring a bank partnership to get started without already having that partnership before building anything, but they didn&#x27;t understand that going in.