Why borrowing more money won't save your struggling business—and how to get the grounded, growth-focused strategy you actually need.
Tenable Support Team
Business Guidance Specialists
When your business is struggling, taking out more loans or using personal credit cards might feel like the only option. But here's the harsh truth: borrowing more money to plug cash flow holes rarely saves a failing business—it usually just delays the inevitable and makes the debt problem worse.
If your business is struggling, you're facing a difficult reality. Cash is tight, bills are piling up, and the pressure is mounting. In moments like this, it's tempting to think, "If I could just get a loan, I could keep things going until business picks up."
But here's what decades of experience have taught us: borrowing money rarely fixes a struggling business. In fact, it usually makes things worse.
If your business is losing money, borrowing more just gives you a temporary cushion. The underlying issue—whether it's poor sales, high costs, inefficient operations, or market changes—remains. Without fixing that, you're just buying time, not solving the problem.
Taking on more debt means more monthly repayments. If your business is already struggling to cover its costs, adding loan payments on top will only make cash flow tighter. You're digging the hole deeper.
Many business loans require personal guarantees. That means if your business can't pay back the loan, you're personally liable. Your home, your savings, your personal assets could be at risk. Don't gamble your personal security on a struggling business.
If your business model isn't viable, borrowing money won't change that. All it does is postpone the hard decisions you need to make—while the debt continues to grow. The longer you wait, the worse the situation becomes.
"Borrowing to cover losses is like using a credit card to pay your mortgage—it feels like a solution, but it's actually making the problem worse."
— Over 60 Years of Combined Business Experience
Instead of throwing good money after bad, what your business needs is real, honest guidance from people who've been there. Not salespeople trying to sell you a loan. Not accountants just crunching numbers. But experienced business professionals who understand:
Is it market positioning? Pricing strategy? Cost structure? Operational efficiency? You need someone who can diagnose the real problem, not just prescribe a loan.
Sometimes, with the right changes, a struggling business can turn around. Other times, the best move is to cut your losses before they get worse. You need clarity, not false hope.
Restructuring? Negotiating with creditors? Changing your business model? Closing down cleanly? There are always options—you just need someone to show you what they are.
Your business struggles don't have to destroy your personal finances. There are ways to protect your assets and limit your liability—but only if you act early enough.
Our team has over six decades of combined experience working with businesses in trouble. We've seen companies go from the brink of collapse to thriving success stories. We've also seen businesses where the kindest thing we could do was help the owner close down cleanly and move on.
Here's what we know for sure:
We don't sell you anything. We don't push loans. We don't have a vested interest in any particular outcome. What we offer is:
Tell us what's happening. We'll listen without judgment and help you see your situation clearly.
Based on decades of experience, we'll tell you if your business can be turned around, and if so, what it would take. If it can't, we'll tell you that too.
Whether it's restructuring your business, negotiating with creditors, protecting your personal assets, or closing down cleanly—we'll show you exactly what to do next.
You don't have to face this alone. We'll be there to guide you through whatever comes next.
Expert guidance from professionals with over 60 years of combined experience
We get it. Admitting your business is struggling feels like admitting failure. You might feel embarrassed, ashamed, or scared about what people will think.
But here's the truth: seeking help is not weakness—it's smart business. Every successful entrepreneur has faced setbacks. The difference between those who bounce back and those who don't is simple: the ones who succeed ask for help early.
The longer you wait, the fewer options you'll have. Don't wait until it's too late.
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No sales pitch, no obligations—just honest guidance from people who've been where you are.