No money is too little or too much to start a business. It just depends on the type of business. Definitely, one can own a wide variety of business with 45 k. But, it's not a lot of money.

At least a liquid capital of 100k is required to initiate a small franchise like subway. Although the franchise cost is much less(15k), there is no guarantee it starts making profit right away. It might not break even the first year, so there has to be extra money to pay your employees and pay for expenses.

If you guys r curious how much money I have, $5k