5d • 💬General discussion
A BUSINESSMAN THAT DOES NOT BORROW MONEY IS NOT IN BUSINESS.
This powerful statement from entrepreneur about reckless debt or maxing out credit cards. It’s about a core principle used by every serious entrepreneur: leveraging other people’s money (OPM), time, and resources to grow far beyond what your personal savings allow.
Most people stay small because they try to build everything using only their own limited money and time. In reality, the biggest opportunities — in real estate, scaling businesses, or launching products — almost always require more capital than one person has.
Even billionaires like Elon Musk don’t fund massive projects entirely from their own pockets.
They use leverage — bank loans, investors, partnerships, and strategic borrowing — to control and grow assets worth many times more than their personal cash.
The Three Things Every Growing Business Leverages
- Other People’s Money (OPM): Loans, investor capital, and partnerships let you control bigger assets and generate higher returns.
- Other People’s Time: Hire talent, outsource tasks, build teams, or use automation so you’re not limited by your own 24 hours.
- Other People’s Resources: Joint ventures, supplier credit, tools, and networks multiply what you can achieve alone.
How to Start Leveraging ResponsiblyIf you want to apply this principle, begin here:
- Build equity first — Create value through strong revenue, skills, or assets so partners and lenders want to work with you.
- Strengthen your foundation — Maintain good credit and a clear business plan to access better funding options.
- Start small, think big — Use small business loans, strategic credit, or micro-investors to test ideas before scaling.
- Find partners and investors — Connect with people who have capital but need your vision and execution.
- Leverage time and systems — Outsource, delegate, and use tools so your business can grow without you working endless hours.
The Real Barrier Is Mindset.
The biggest obstacle isn’t lack of money — it’s lack of knowledge and courage. Many people either avoid all debt and stay stuck, or borrow carelessly and fail. Winners treat leverage as a tool, not a crutch.
You don’t need to have all the money yourself. You need to know how to access and deploy other people’s resources effectively.
The opportunities are everywhere — in real estate, e-commerce, services, and technology. The question is: Will you stay limited by your own resources, or will you learn to leverage and scale? As @femi_rogers reminds us:
Any entrepreneur who is not borrowing money (smartly) is not truly in business.
The choice — and the opportunity — is yours.
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A BUSINESSMAN THAT DOES NOT BORROW MONEY IS NOT IN BUSINESS.
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