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No you don't have to play with 4 people to start a buissness.
You just have to play the storyline to a certain point when your Caravan gets demolished and your cousin calls you that it's time to start your own buissness.
Then drive to the city hall fill up the form for establishment of a company pay 20k$ and you can buy the buissness plot for your company. Afterwards you can just take loans for stuff but i wouldn't do that if i were you... it's not worth it and just rly annoying in the end even though the game forces a loan on you for story mission to upgrade your buissness office...
Now a little advise save up all the trash you get from jobs drive them to your company build the power station with generator, fuel station (so that you can fuel your generator...
), battery pack, compactor building lvl 1, solar panels
on the compactor building, and upgrade before you buy the solar panels to compactor lvl 2 else you can't buy the panels and don't waste money on wind turbines they are just not worth the money they produce the same as the generator even at night but honestly to expensive for what they do.
Trash processing is the most profitable way in the game. :3
If you have any questions just mention me i will gladly answer it if advise or tipps are needed.