Well, yes and no. It depends if you want to save up for however long it will take, or ask the bank for $100,000 to put on the addition. Most businesses (even the one’s in trouble) can swing the $800/mo* to cover the 100k loan, but would never be able to save it up themselves. Besides, do you want that addition now, or in a few years?
It’s hard to explain, you really have to have the business owner mentality.
A lot of business owners would also prefer to take the profit home and take out a loan to put back into the business.
*I just realized that that would probably be an interst only payment, but the point remains the same.