Business startup Zenefits has raised another $66.5 million from investors, months after its first capital-raising, following a pattern set previously by a handful of hot, young consumer companies that proved their worth to investors over a short span. The rapid accumulation of early-stage funds puts Zenefits in the company of privileged start-ups that investors view as potential disruptors to existing businesses – and puts more pressure on it to deliver. Zenefits makes money by collecting fees from insurance companies when it refers its clients for insurance. Founded in 2005, Workday’s first big funding round of $75 million did not come for four years;