Episode 266 – Demystifying Business Loans: A Smart Money Strategy for Photographers Ready to Grow

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It’s time to kick the guilt to the curb. Borrowing money to grow your photography business doesn’t mean you’ve failed. In fact, it might just be the smartest, most empowering step you take toward building the life and income you want. In this episode, I’m showing you how debt, when used wisely, becomes a tool to accelerate your growth and finally get what you need to succeed.

So if you want to grow your business faster, with more confidence and clarity, hit play and enjoy the episode!

Table of Contents

What We’re Unpacking in This Episode

1. 5 Myths That Keep Photographers from Using Business Loans

You’ll hear me dismantle common fears and misconceptions like:

“I have to be successful first to qualify.”
“I’ll wait until I can pay cash.”
“Debt will ruin my credit.”
“All debt is bad.”
“Needing a loan means I’ve failed.”

Here’s the truth: smart business owners borrow strategically to grow smarter and faster.

2. The Real ROI of Investing in Your Growth

I walk you through how to think of good debt like a slot machine, you put in a dollar and get more than that dollar back. It’s not about spending, it’s about investing. When you borrow to invest in coaching, marketing, or team members, you’re setting yourself up for a return that compounds over time.

3. The Banker You Didn’t Know You Needed

The most overlooked teammate in your business? A local banker. I’ll show you:

Why smaller banks often give you more flexibility
How relationships with local bankers can open doors to funding, referrals, and community support
Why starting the relationship before you need money is crucial

4. Your Next Two Action Steps

Step One: Move your business banking to a local or regional bank.
Step Two: Begin building a relationship with a banker who genuinely wants to see your business grow.

Let’s Wrap It Up

If no one ever taught you how to think about debt as a tool instead of a trap, you’re not alone. But you’re also not stuck. With the right mindset and strategy, you can grow your business confidently, even if it means borrowing to do so. Because when you borrow to invest, and that investment helps you serve more clients, increase your average order, and raise your prices – you’re doing it right.

This week, take 30 minutes to visit a local bank and ask to speak to a personal banker. Let them know you’re building your business and want their guidance. That conversation might just change everything.

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