Materials, office supplies, equipment, a website and business cards all cost money
A business owner needs to draw a salary to survive. If the business has employees, they must be paid.
A new location, product and marketing research, new services and additional staff if needed can be financed with business funding.
In case of accident, although insurance will cover most catastrophic events, premiums and deductibles have to be paid and there needs to be money in the coffers to pay salaries while the business is repaired