Entrepreneurs often talk about how they started their businesses with loans from family and friends, seed money from investors and even by maxing out their credit cards. But, for every one of these feel-good success stories, there are more than a few with unhappy endings.
Noelle Federico, the business manager and chief financial officer of Dreamstime.com, a stock photo service, said that while it is not easy to start and grow a business without incurring debt, it is possible.
“We’ve proven that it can be done,” she said. “Myself and the leadership team at Dreamstime.com have never taken loans, used credit cards or tapped angel investors to grow our business.”
Dispatches From The Front 
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