(3-4 minute read)
Why You Should Want Outside Capital (Even If You Don’t Need It)
Let’s be honest.
If I asked you right now, “Could your business use any outside capital?” — there’s a good chance you’d say something like:
“Nah, we’re good. We don’t need any funding right now.”
It sounds like a smart answer. It sounds responsible. But here’s the truth:
That mindset might be quietly costing you millions.
Let’s break this down together.
The Problem With “We’re Good”
Saying “we’re good” usually means:
- You have cash in the bank.
- You’re not in panic mode.
- You’re covering your bills and making a little profit.
That’s great! You’ve earned that.
Maybe you’re actually afraid of, or opposed to, debt on principle (See: Dave Ramsey). We’ll have to work on that later because if you’re operating in the American economy, you’re participating in debt whether you like it, or not. Might as well use it to your advantage as much as possible.
But here’s the catch:
Not needing capital isn’t the same as not benefiting from it.
And if you only think about funding when things are tight, you’re playing defense. Real growth comes from offense.
And, by the way, there are some important differences between capital and funding, and between outside-in and inside-out capital or funding.
You’re already funding your business with your own cash (from revenue). That’s one form of funding, called bootstrapping. It’s just extremely limited.
You can fund advertising with co-op money from a supplier (if you ask for it).
You can fund your lifestyle with profits from your business.
You can fund your investment accounts with surplus cash outside of your lifestyle.
You get the idea.
Would You Rather Use Your Money or Other People’s?
Let’s say you want to start of increase spending on an advertising campaign, open a new location, launch a new product, or hire a top-tier executive to take over a lot of your responsibilities and free you up to work on or even above the business?.
You could use your own cash. But what if you didn’t have to?
What if you could use someone else’s money instead — a bank, a lender, an investor — and still keep full control?
That’s called leverage.
It’s like lifting a car with a jack. You’re not stronger than the car… but the tool gives you superpowers. Control a lot of something with the least possible effort. As the saying goes, “small hinges swing big doors.”
Leverage helps you do more with less, and faster. Amplification plus acceleration.
Time Travel Is Real (Kind Of)
Here’s something wild to think about:
Outside capital (OPM: Other People’s Money) can be like a Financial Time Machine.
It lets you take something you could build over 5 years…
…and start building it today.
That’s not just helpful — it’s powerful. Speed matters in business. The faster you can act, the faster you grow, and the farther ahead you get from your competition.
As a specific business example, certain SBA loans allow you to qualify for and access up to 5 years of future profits now, at a very reasonable rate, and give you a long time to pay it back. According to the time value of money, $1 today is worth way more than $1 in five years. So you can do more things to grow your business, and sooner, with OPM.
Why wouldn’t you do that if you could? The only two questions that matter are:
Can you qualify for such a loan? (more on that at the end of this article)
If you did have an extra $350k, $500k, even $1M or more in your business bank account right now, do you have the skills, opportunities, systems, support, and resources to multiply that additional capital by 3x, 5x, even 10x?
If you’re a savvy, ambitious entrepreneur, I sure hope so.
What If You Could Borrow at 10% … and Earn 300%?!
This is called arbitrage.
It’s a fancy word for a simple idea: you borrow money at one rate, and you use it to make even more money.
In the stock market, this is buying low, selling high. In a retail business, this is buying products from wholesalers at X and selling them to customers at 3X.
If a loan costs you 10%, but that capital helps you earn 200% – 300% (2x-3x) returns through smart marketing, new hires, or inventory turns — you just made a smart move.
If you hire someone and pay them $100,000, you’d better expect they’re going to return at least $300,000 (3x) to you, otherwise what’s the point? When marketing-savvy entrepreneurs (with their CMO or agency) run ads, they often get a ROAS (Return On Ad Spend) of 3x-20x, predictably and consistently.
These returns are orders of magnitude higher than investing in the stock market, and in many ways much safer because you are in control, not the CEO of some Fortune 500 company or a mutual fund manager.
Even if you had the cash sitting there, you would be better off saving that for things that you can or should only pay for with cash — emergencies, taxes, down payments on asset purchases, your own salary, investments, etc.
Why? Because the real money is made by using Other People’s Money (OPM) to grow, while you keep your money safe and working for you elsewhere.
Needing vs Wanting Capital
Here’s a question no one is asking:
What if you treated outside funding like a business tool, not a lifeline? Proactive vs. reactive.
You don’t need a hammer unless you’re fixing something, right?
But if you want to build something new — you grab the tool and get to work.
Capital is the same. If you’re waiting until you need it… it might already be too late, and often is.
But when you want it — on your own timeline, with no stress — you can use it to grow smarter, faster, and safer.
It’s true that banks prefer to lend money to people that don’t need it — and they reward them with the best rates, terms, and smooth processes.
The 3 Cash Liquidity Buckets: Are Yours Full Yet?
Let’s get real.
Before you decide you don’t need outside capital, ask yourself this:
Are all three of your liquidity buckets full?
Here’s the FullyFundable 3-Bucket Model:
- Bucket 1 – Operating Cash:
3 months of fixed expenses in your main operating / checking account — for day-to-day operations. This is always getting topped off first from gross revenues. - Bucket 2 – Emergency Reserves:
6-9 additional months of cash reserves set aside in an interest-bearing business savings account — untouchable, except for true emergencies. aka the Peace Of Mind Fund. - Bucket 3 – Private Treasury:
All surplus cash gets deposited into your own Private Treasury as a storehouse and protected vault, where 3-4% returns are guaranteed, additional dividends are earned, and you can access and use these funds immediately for whatever you want (fully liquid) in your business, investment portfolio, or personal lifestyle. The best part if, even with money pulled out of this Treasury, the underlying cash continues to grow without interrupting the compounding interest and dividends — the only way to legally double-dip, just like the banks do with your deposits!
Until you’ve filled all three buckets, you’re not fully capital optimized.
You’re not fully protected.
And you’re not fully free.
Which means, yes — you do need outside capital.
Not out of desperation — but out of discipline.
You should be using Other People’s Money to accelerate your ability to fill each bucket faster, with less personal risk.
That’s what it means to be Fully Fundable.
That’s the essence of The Infinite Funding Framework.
That’s how you operate from power, not pressure.
That’s how you gain full freedom, flexibility, and choice.
So the real question isn’t: “Do I need capital right now?”
The real question is: “How fast do I want to be fully free?”
Why the Ultra Wealthy Always Want More Capital
Here’s something you may not have noticed:
Millionaire real estate investors are always open to capital conversations.
They don’t say, “We’re good right now.” They ask, “What kind of capital, and at what terms?”
Why? Because they understand the game.
Real estate investors are masters of leverage. They don’t use their own money unless they have to. They borrow at 6%, even 10%, to earn 18%, 24%, sometimes even 40% cash-on-cash returns. They’re not chasing survival — they’re chasing yield and scale.
The same is true for private equity firms, hedge funds, investment bankers, and other ultra-wealthy players. They don’t build wealth by hoarding cash — they build it by multiplying capital through smart debt, investor funds, and strategic timing.
This is how they:
- Buy companies without using their own money
- Scale operations fast using Other People’s Money
- Use arbitrage to profit off the spread between what they pay and what they earn
Here’s the baffling part…
Most entrepreneurs don’t think this way — even the otherwise smart and successful ones.
They’re building something real. They’re hustling. They’re making sales.
But they’ve never been taught to think like a true capitalist.
And that mindset gap is keeping them from building true wealth.
If you start thinking like an investor — even as an operator — the game changes.
You start asking different questions.
You start making faster moves.
You stop asking “Can I afford it?” and start asking “How can I multiple more capital in and through my business?”
Final Thought: Ask a Better Question
Instead of asking:
“Do I need funding right now?”
Try this:
“What could I do if I had access to smart capital right now — without touching (or while building) my reserves?”
Would you expand?
Would you hire?
Would you fix something broken that’s costing you customers or profit?
If the answer is yes, then it’s not about need.
It’s about vision.
Ready to Think Bigger?
Most of the best capital isn’t advertised. It’s not found in Google searches or social media ads. It’s hidden inside the Deep Economy.
It’s offered to people who already look ready and attractive to those with the money to lend — and know how to ask the right questions.
That’s where we come in.
At FullyFundable, we help business owners like you build a capital strategy that:
- Protects your liquidity
- Accelerates your growth
- Uses the right funding at the right time, from the right source
Whether you’re in panic, protection, or proactive mode — we’ll meet you where you are and help you level up.
Because needing capital is reactive.
But wanting it? That’s strategic.
In order to take the next step with us, spend a few moments filling out our Introductory Inquiry Form and we’ll reach out with an initial funding assessment and our best recommendations for working together: