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Sairaj Kadam

Entrepreneur • 9m

Hey guys! Just had a realization about how credit really works, and I think it's something every aspiring entrepreneur should know! So, I’m about to dive into my CA studies, and while doing some pre-study research, I came across some pretty crazy insights about credit. Here’s the big takeaway: credit isn’t just for taking loans or paying bills – it’s actually a powerful tool you can leverage in all kinds of ways, like launching businesses, making big investments, and scaling up projects. Think about this: when Elon Musk bought Twitter, do you think he used only his own cash? Nope! He built his portfolio, showed proof of assets, and used credit to fund a massive acquisition. That’s how top players move. And yes, it’s risky – but with the right knowledge and a strong gut, it’s a game-changer. Now, here’s what I’m learning about using credit effectively: 1. Know Where You’ll Invest – Before you take any loan, be clear on where you’re putting that money and the potential returns. Every decision should have a strategy behind it. 2. Choose Your Lender Wisely – Whether it’s a bank or other sources, find out who’s offering you the best deal. Consider factors like interest rates, repayment terms, and flexibility. 3. Set the Right Time Frame – Time is everything. If you’re borrowing, make sure you’re prepared to pay it back within the terms, regardless of cash flow. The lender doesn’t care if your plan works out or not – they just want their money back on time. If you’re driven, informed, and a bit bold, using credit can be a smart way to fuel your goals. Just remember, the more prepared you are, the better you can handle the risks involved. Let me know what you think – is this a strategy you’d be open to trying? Drop a comment below! Don’t judge me for just including all of this in very small words or sentences. I just framed it in a condensed way. If you want to see this in more detail, let me know.

3 Replies

Replies (3)

Anonymous 3

Hey I am on Medial • 9m

Using credit wisely could work for some entrepreneurs, but it’s not a one-size-fits-all. It depends on the business model and how well you manage cash flow. As long as there’s a solid plan for repayment and you’re informed about the risks, it’s a tool to consider, but not without caution because look at what happened with Byjus.

Anonymous 2

Hey I am on Medial • 9m

Entrepreneurs like Musk show how it can fuel massive moves, and if you’re strategic about your investments, it’s a powerful tool

Anonymous 1

Hey I am on Medial • 9m

True, using credit strategically can help fund growth without relying solely on personal funds

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