https://www.foundationacs.comIn this episode of the Contractors Profit Hack Show, we dive deep into one of the most misunderstood topics in construction business: borrowing money.Special thanks to Dan Revisto for joining me on this episode and sharing his insights on borrowing, risk, and using capital as a strategic tool for growth.We talk about how to evaluate different types of loans, including revenue-based lending, why speed often matters more than interest rate, and how to think clearly about risk instead of reacting emotionally to debt. Not all capital is bad — when used correctly, it can be a powerful tool for growth.We also break down common misconceptions around HELOCs, personal guarantees, and separating business risk from personal assets. The goal isn’t to avoid borrowing at all costs — it’s to understand the full picture and make decisions that actually support your long-term goals.If you’ve ever felt stuck between needing capital and being afraid of the consequences, this conversation will help you reframe how you think about money, risk, and opportunity in your business.00:00 – Why borrowing money creates fear for contractors03:10 – Revenue-based loans explained simply07:45 – Why speed often matters more than interest rate12:30 – Understanding cash flow timing and payment cycles18:15 – Why borrowing too little can be more dangerous24:00 – The true cost of capital vs opportunity cost31:10 – HELOCs and the myth of “protecting” personal assets38:45 – Separating emotion from business decisions46:30 – Using debt as a strategic tool54:20 – Final thoughts on risk, growth, and mindsetHow do you currently evaluate whether a loan is worth taking in your business — by fear, by numbers, or somewhere in between?
