If you’ve ever needed more money (who hasn’t?), then you are among a majority of business owners. Approximately one-half to two-thirds of young, small businesses — defined as those with less than 499 employees — use capital injections, according to the U.S. Small Business Administration’s (SBA) Office of Advocacy in a February 2014 report. What’s more, not being able to obtain capital has profound implications for the ability of certain businesses to expand, the report noted.