Back to the core of game development, from my experience:
Do you need artwork produced?
Oh yes, and a lot. Every game needs an incredible amount of assets, once you have all the graphics in place, you need all the sounds too, and people think they can do with 1 or 2 artist. Fat chance. You need at least 10, unless you make an indie game like Armadillo Run which is damn good and has basically no assets. There is no land between no asset and full asset games, it just doesn't make sense.
Do you need other people to work with? Would team management features help you?
Most team leaders are blind and selfish, and don't understand the indie business. They do exactly the opposite of what they should do. Indie developers should make unique, neverbefore seen games, and not another GTA4 or Doom clone.
I could need some people who do what they are supposed to do. Follow the goal, and work as a team. Sure, money can buy people, but it's hard to find quality people.
What about funding? If you had more money, would you be able to put it to good use? There are some interesting developments in peer financing that are evolving right now.
Forget about those scam fundings, they will give you whatever money you ask, and ask 10 times the return of investment back. It's complete scam, like the Illuminati said: the federal reserve will never expect anyone from paying their debts, since it's mathematically impossible, as the interest rates will overrule the real value of the money.