Like when learning how to ride a bike, a learner has two small wheels on the side on the back wheel of the bike. These small wheels serve as a guide and protection so that the learner won't fall off when riding a bike. In due time, the learner will get use to balancing the bike and can now remove the two small wheels. The two small wheels have served its purpose but now it is not needed anymore. The learner knows how to ride a bike.
That also applies in business; the business owner or incoming entrepreneur must first learn how to manage the business with proper care. Just like the two small wheels of the bike, the entrepreneur needs it to make their business prosper. But in business it is not wheels, it is experience.
The business owner must know what is like to lose money, to earn money, to deal with customers, to properly manage employees, to handle taxes, and to keep inventory. All of this is critical to make the entrepreneur a well rounded and experience business owner.
If you started your business with a huge capital and somehow did not make its returns, it will not only lose your money but also demoralize your morale and confidence in starting a new business again. But keeping your business with a small capital and somehow did not reach its financial target; the business owner can count their losses and move on the next one - another new business venture.
It doesn't matter if the business owner loses 10 businesses as long as they learn something from their mistakes. This is what you call credit to experience. One day this particular business owner will gain knowledge from their past mistakes by not doing it again and making it perfect the next time around.
So when starting a business, start small. Remember the two small wheels and don't be afraid of losing and committing mistakes. One of these days your small business will be a big business enterprise.