Growth credit works best when the business is already real
Private credit is most useful when it supports a business with demand, operating discipline, and a clear use of funds. It is less useful when the story is still mostly hope.
Good reasons to raise growth credit
- Add inventory or working capital
- Open a new location carefully
- Buy equipment with a clear payback
- Back a repeatable sales motion
What improves the conversation
- Positive cash flow
- Clean enough reporting
- A clear use of proceeds
- Measured growth plans
- Operators who know the numbers