timothy moley developed the business over several years, then in 2008 took a big step to expand, with an s.b.a. loan. >> i proceeded to go into debt $2 million to make an investment in the future the future of the people who work here, the future of the local economy the people who came to rebuild this building and the future of various businesses that we buy from in the local area. moley pays 100% of health costs for his staff of 20-- one part of his commitment to maintaining a happy workplace and ultimately a happy customer base. investing in people, and the new facility, helped drive a 52% jump in sales in 2010, and chocolove is on track for a 31% jump this year. >> i think it's a failing point for a lot of businesses right now, is the unwillingness to invest in the future. >> reporter: small businesses like smashburger and chocolove have made colorado one of the top five states for start-up businesses, according to the kauffman foundation. cynthia hessin, "nightly business report," boulder, colorado. >> tom: here's what we're watching for next week: robert stovall is back as our f