I know two successful business owners in Germany and one in Belgium and they all got their much needed initial capital from savings, family and people they knew

I know two successful business owners in Germany and one in Belgium and they all got their much needed initial capital from savings, family and people they knew. Millionaire Turkish real estate investor, doctors, other small business owners - not VCs, not loans, not credit. That seems really hard to come by in Europe (especially if you don't have prestigious education or extensive work experience), small exception for the UK. People don't really go into business if the idea has not been tested by someone else, and that's a shame, and one of the reasons why the US is so far ahead.