The problem is that eggs cost money. If you don't have enough revenues to pay someone, then all of your advice is worthless. That's the position enormous numbers of small businesses find themselves in. Money doesn't grow on trees.

You shouldn't necessarily go out and get the extra work until you have the people hired and trained. Otherwise, you are setting yourself up for serious potential problems. So it's you who has to cover that transition period financially (and of course training the person and interviewing people takes up a lot of time, which you don't have because you are working like crazy to keep the lights on and to make enough money to hire someone new.)

Many businesses hit a dead end there, because they can't get over that bootstrapping problem.

And of course if you are in a product development oriented business, no bank is likely to give you a loan. In those types of businesses 'loans' becomes 'venture capital', and banks don't really do that. Unless you have a REALLY good story, venture capitalists also don't generally deal with small businesses either. They work with businesses that have a reasonable chance to go large within a fairly short period of time.

Anyway, obviously small businesses can bootstrap themselves up. But just waving your hand in a 'let them eat cake' sort of way seriously belittles the massive effort and risk that's often involved.