Borrowing Money to Grow Your Business

Disclaimer: We are promoting this event on behalf of a local chamber member. This event is not managed or sponsored by the Destin Chamber.

Strategic Funding: When to Lean on Cash and When to Leverage Debt

Every growing business eventually reaches a crossroads: Do you wait until you’ve saved enough cash to take the next step, or do you borrow to accelerate your timeline?

While debt can be a powerful engine for expansion, it comes with a fundamental question that every owner must answer: Will my cash flow support the repayment without suffocating the business?

Join us for this practical, high-impact workshop designed to help you navigate the complexities of business financing. We’ll move past the "fear of debt" and look at the actual math of growth.

What We Will Cover:

• The Cash vs. Debt Analysis: Learn how to weigh the pros and cons of "bootstrapping" your growth versus using leverage to scale faster.
• The Anatomy of Cash Flow: Understand exactly how monthly loan payments impact your day-to-day operations and your safety net.
• Predicting Repayment Capacity: We will walk through how to stress-test your projections to ensure you have sufficient "breathing room" to repay a loan even if growth is slower than expected.
• Debt as a Tool, Not a Burden: How to identify the "tipping point" where borrowing becomes a smart strategic move rather than a financial risk.