We also supply stainlesssels. Most wouldn't if management had the assistance of accurate cost prediction spreadsheets. Clearly, there will be no banker, risk taker, staff or accounts unless the goods or service can be sold for more than they cost to supply, plus support the infrastructure or overheads and the owner's adequate recompense. It is said that the chances of success will be greatly enhanced if the owner leads from the front, with a clear vision and the skills to communicate that vision, but the reality is that no one individual can be expected to keep their head around all of the dynamic causes and effects of business, all of the time . But most of it is simple arithmetic.
Costs exceed income equals loss.
In this computer age, doing the arithmetic can be almost instantaneous. And most businesses or their accountants today have access to a computer somewhere. I believe it could. Well here's the good news. Most computers already have perfectly adequate software.