If someone is running the business alone, what do they look to get funding for? To expand, grow, to hire people so that the "bus" scenario won't materialise.

If someone is running the business alone, what do they look to get funding for? To expand, grow, to hire people so that the "bus" scenario won't materialise. So if someone asks it - they are either taking a piss or think that you want to run with their money (as many think this way of the poor).