Who said you need billions to get started, you need a billion to keep going, when the music industry notice you. Spotify have raised $1.56bn to date: https://www.crunchbase.com/organization/spotify

Which included $1bn in debt just last year: https://techcrunch.com/2016/03/29/stream-with-the-devil/

They wouldn't have raised that, if they were "just fine".