Any business owners out there?

Anyone that has a business that incurs a high monthly cost and employs people?

An opportunity has come up which is exciting but also quite daunting.

I just wanted to hear what it's like being an owner of a business... Are you scared of the risk of the company folding, what do you do when you can pay your monthly commitments, are you worried of being personally liable for costs should the company fall into debt and owe people, etc.?