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Once a sim has earned certain perks (like Perk Up or Head For Numbers), they can pass that perk along to other sims, whether those sims own a business or not. So you could have one sim earn 10 pass-along-able perks and pass them on to everybody, and then someone else learn 10 more and pass those along to everybody too. You could even set up a "business school," since the perks can be passed along at home or on a community lot. The wholesale and cash rewards each business owner would have to earn for themselves, but there are five of each, so maxing those out wouldn't take you over your ten available slots to earn.
EDIT: And the passing along process is pretty tedious even if you take the shortcut of using the start-stop method, so you could definitely say that you earned them!
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Fuchs That! on 2/21/15