Businesses need money all the time: sometimes to borrow $1,000 for a couple of days until the payment from a client arrives. Other times, several thousand dollars to buy and equip an additional warehouse. You have to understand that credit doesn't always help a business. Before taking borrowed money, you need to calculate whether a loan will benefit you or, on the contrary, lead to more problems.The general principle is this: you can take a loan if the expected profit is higher than the interest on the loan. Another name for a business is business for business.