Human capital is more important than financial capital. Human capital is the energy, talent, skills, resilience and effort that the people working in the business provide to get it off the ground. Businesses are built by people, not by money. Money may be useful in attracting talented people to the business but if you don’t have money then you, the founding entrepreneur, need to provide the human capital to grow and sustain the business. lf you don’t have passion for starting a business, do not even try. Passion is the most important ingredient for getting a business off the ground.