Small business owners are largely under-served in the financial landscape. In the early years of the business, money is lean. Every penny is used to keep the business afloat. Saving habits need to start as soon as possible but are sometimes pushed aside because the business is hungry and must be fed. Often, small business owners feed this hunger by acquiring substantial debt. They need new employees to grow the business, more marketing dollars to sell their product or service, and the list goes on.