Business owners risk losing the company to a takeover, if an equity owner is able to get the majority of shares through investment. In either case, the money for capital investment has to come from somewhere. For example, a restaurant might need capital investment to update the kitchen with new equipment. For example, banks may have no problem financing a builder for a new townhouse project particularly in a strong real estate market , but much more reluctant to lend to someone who wishes to open a restaurant an industry with a notoriously high rate of failure.