their savings. they feel the failure more than if they had a venture capital backer. if you borrow money from friends and family, they may suffer. >> you should be talking to people about getting money if you need it, don't get down to the wire. >> i say business is like dating. you never want to be desperate. if you have the chance now, while you are ahead to get padding room, you are not only creating a cushion for yourself, but developing a relationship with your lender. when it comes time to really need cash, you have a credit history established. >> stella and vanessa, thank you so much for all your help. appreciate it. >> thanks. to learn more about today's show click on our website, it's openforum.com/yourbusiness. you'll find all of today's segments plus web exclusive