What is the term for someone who organizes, manages, and takes financial risks for a business?

The term for someone who organizes, manages, and takes financial risks for a business is "entrepreneur." An entrepreneur is typically the person who starts a new business, often coming up with innovative ideas and solutions, and is responsible for its overall operations. This role involves not only organizing and managing the resources and operations of the business but also bearing the financial risks associated with starting and running a business. Entrepreneurs often seek to bring new products or services to the market, capitalize on opportunities, and navigate challenges, which requires a combination of leadership, strategic thinking, and financial acumen.

In contrast, an investor provides capital to business ventures but does not necessarily take an active role in managing or organizing the business. A manager primarily focuses on overseeing the day-to-day operations within an established company, without necessarily being the risk-taker or organizer of the business concept itself. A shareholder owns a portion of a company through stock but does not typically engage in its management or operations directly. These distinctions highlight why "entrepreneur" is the most accurate term for someone who takes on the role of organizing and managing a business while also assuming the associated financial risks.