SL firms have amongst the highest return on equity .... Just look at state firms like SLIC, People's Bank, BOC.
BOC just 5 million investment
Even look at listed firms .... Just started with peanuts. I still have the articles of association of some listed firms. I remember one had 10 shareholders who each contributed 10/-..... those with more experience can talk about others
Personally I prefer if firms don't pay dividends as the richer you get the more opportunities there are. This applies to both Companies and individuals. Just provide scrip dividends and capitalise revenue reserves.