Never take a loan?

Not exactly.

First ask:

Is this a strategic loan ama desperate loan?

They can look the same when the money hits the bank.

But kwa books, story inaweza kuwa very different.

Strategic loan:

→ Buying an asset that generates income.

→ Adding capacity for confirmed demand.

→ Funding profitable growth.

→ Improving productivity.

Desperate loan:

→ Paying overdue suppliers.

→ Covering recurring expenses.

→ Plugging payroll gaps.

→ Repaying another loan.

→ Keeping biashara alive for a few more weeks.

Hapo debt inaongezeka...

...lakini earning capacity haijaboreka.

Before uchukue loan, check:

👉 Cash flow inaweza handle repayment?

👉 Existing debt iko how much?

👉 Loan itatengeneza nini?

👉 Profits zinaweza absorb the extra cost?

👉 Are you financing growth...

...ama financing a problem?

Loan si automatically good juu imeongeza cash.

Na si automatically bad juu imeongeza debt.

Angalia the whole financial position. 📊