When companies need capital to grow, they can generally go down one of two financial paths. They either borrow money at a fixed rate, or they sell equity where they owe nothing, but the investors get to participate in any future upside.
People, of course, only have access to debt. The idea of investing in the future earnings of a person has been discussed for a long time, but as of today there really is no such practical option for most people.
This situation is on the verge of changing dramatically: Equity-based financing for people is finally about to go mainstream.