Why I Told 3 Businesses Not To Take Any Debt #132

Claire talks through three real client scenarios from the last few weeks where business owners came to her wanting to take on debt, and she told all three of them not to. This episode breaks down why, what she suggested instead, and how a genuine growth opportunity can look identical to a cash flow problem you haven't fixed yet. If you're weighing up a loan right now, listen before you sign anything.

Key Topics Covered:

Why a seven figure business wanted funding to accelerate growth, and why the numbers showed the existing business couldn't actually generate enough cash to repay the loan

The difference between scaling a profitable business and scaling a loss

Why directors taking dividends out of the business can mask a much thinner profit picture than it appears

A seasonal business considering an expensive unsecured loan to cover a short eight week cash flow gap, and the two cheaper alternatives that solved it instead

How a business that had just acquired another company avoided getting locked into invoice financing by using an underused asset instead

Why the right answer to "should I take on debt" always depends on what you're actually trying to achieve

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