Wisdom is the key.
Wisdom fills treasuries. Proverbs defines Wisdom as personally hearing the voice of God. It is God speaking His revelation knowledge to you; His rhema. God's revelation plants a seed in your heart, which causes His fruit to become manifest in and through your life. It also glorifies Him, or in other words, shows others who He really is.
Wisdom is also a fruit. It is the fruit of the fear of the Lord. This is the reason that we require that each micro-business candidate be certified as a Psalms One man or woman. Chapter 1 goes into detail on this subject
By Larry Chkoreff
When God called me to write about micro-business training He used Proverbs 8:10-21, which says,
10 Receive my instruction, and not silver, And knowledge rather than choice gold;
11 For wisdom is better than rubies, And all the things one may desire cannot be compared with her.
12 “I, wisdom, dwell with prudence, And find out knowledge and discretion.
13 The fear of the LORD is to hate evil; Pride and arrogance and the evil way And the perverse mouth I hate.
14 Counsel is mine, and sound wisdom; I am understanding, I have strength.
15 By me kings reign, And rulers decree justice.
16 By me princes rule, and nobles, All the judges of the earth.
17 I love those who love me, And those who seek me diligently will find me.
18 Riches and honor are with me, Enduring riches and righteousness.
19 My fruit is better than gold, yes, than fine gold, And my revenue than choice silver.
20 I traverse the way of righteousness, In the midst of the paths of justice,
21 That I may cause those who love me to inherit wealth, That I may fill their treasuries.
Proverbs 8 is familiar to us.
It has been interesting for me to remember that when my wife and I had just gotten married we were in terrible financial condition. My business was turning bad very fast. During our honeymoon, God spoke to my wife, Carol, and told her to seek Wisdom and everything would be all right. We immediately dug into the Proverbs and studied hard. When we arrived at Proverbs 8, the Lord opened our eyes with revelation knowledge. He spoke so clear. He let us know that Wisdom was God speaking, and if we could hear Him speak, we would make it. We can testify to you, that we have made hearing God speak the number one priority in our lives. Wisdom has provided for every single need we have had, and more. We have had many trials, but Wisdom has always been there with His miracles and provisions in every area of our lives!
In addition to Wisdom and other spiritual principles, we will also cover many practical issues having to do with business. We will call these issues works. There are two kinds of works: Works originating from the flesh, or the unregenerated nature. The second are the works of faith, or works originating from faith, works in obedience to Christ. James tells us in his epistle that faith without works is dead. The works he refers to are only productive if they spring from hearing God speak, which brings faith, then acting in obedience to His voice and/or direction. Anything short of this process is nothing more than the world's way of business, which includes being sly  and selfish. That will not glorify God, and is most likely not God's perfect plan for your life.
I have been in the business world since 1962, and have been a business entrepreneur for most of the time since 1969, 38 years at the time of this writing. I have had some good and some moderate successes. I experienced some failures before I knew the Lord. Since I gave Jesus control of my life, I have gone through many difficult breakings, or severe trials, in business. The Lord has used the death and resurrection process to finally bring me to His desired business vocation. I am constantly open to the changes He may make in my life.
I am not the most experienced and certainly not the most clever business person whose writings could train you. I do know some basic principles about accounting, keeping records, budgets, marketing, customer service, and godly business practices, but I do not claim to be an expert in any of these categories.
At first, I did not think I had much to offer in writing a curriculum such as this, but the more I saw the emphasis that the Holy Spirit desired; I felt I could be used for this task. I believe the Lord's emphasis for you is, “… ‘Not by might nor by power, but by My Spirit,’ Says the LORD of hosts” (Zechariah 4:6b).
I have been in business with and without God's Wisdom, and I can share the difference with you. Your new business will succeed not because my co-author, Dennis, and I know so much, but because we encourage you to go "face to face" with God. He will speak to you, and His godly form of business will prevail. His power through you will serve the larger purpose of His eternal Kingdom.
You cannot fear the Lord and failure at the same time.
If you do not hear Him speak, and direct your path while you are "walking in the fear of the Lord," I urge you to not start a new business. It may be the wrong path for you. However, do not allow fear of failure to stop you. There is so much to be learned in any journey with Jesus. Even the detours may be His plan for your life. They have been for mine! Failure to follow the faith walk with Jesus is the grand failure.
Do not be paralyzed by fear, but allow God's perfect love to control you while you "walk on the water."
 Sly: cleverly skillful and cunning, lacking honesty and integrity.