Borrow Smart: Debt Finance for Growing Businesses

Name: Borrow Smart: Debt Finance for Growing Businesses
Price: 25.00 USD

with Incipio Studio

Original curriculum by Incipio Academy

A practical guide to business debt: which facility fits which problem, what lenders actually underwrite, and how to get approved without signing away your company.

18 lessons18 videos6h 28mIntermediateLifetime access

What you’ll walk away with

Skills, not certificates of attendance

01Diagnose whether you need working capital or growth capital

02Compare term loans, lines, invoice finance and revenue deals

03Calculate the true cost of a facility, not the headline rate

04Build a lending pack that survives underwriting questions

05Negotiate guarantees, security and covenants before you sign

Curriculum

4 chapters · 18 lessons

6h 28m total

01Diagnose the Real Funding Gap

4 lessons+

1Working capital vs growth capital: two different problemsVideo
16:40
2Cash conversion cycle math: how many days you are shortVideo
22:15
3The 13-week cash forecast lenders actually believeVideo
28:05
4When borrowing is the wrong answer: four red flagsVideo
13:20

02The Lending Menu, Decoded

5 lessons+

1Term loans, overdrafts and revolving lines: fit by use caseVideo
24:30
2Invoice finance and factoring: when the spread is worth itVideo
19:45
3Revenue-based finance and cash advances: converting to real APRVideo
26:10
4Asset finance, leasing and sale-leaseback on kit you ownVideo
18:35
5Government-backed schemes and grants worth the paperworkVideo
15:50

03Get Approved on the First Pass

5 lessons+

1Build a business credit profile that stands aloneVideo
20:25
2Inside underwriting: DSCR, leverage and the adjusted EBITDA fightVideo
31:15
3The nine-page lending pack: structure, order and evidenceVideo
29:40
4Personal guarantees, debentures and what is genuinely negotiableVideo
23:55
5Declined: diagnose the reason, fix the file, reapplyVideo
14:10

04Live With the Debt Without Losing Sleep

4 lessons+

1Covenant tracking and the monthly lender update that buys goodwillVideo
17:30
2Stacking danger: how multiple advances quietly kill cash flowVideo
21:05
3Refinancing expensive facilities and timing the switchVideo
25:20
4Pricing in debt service: margin, capacity and repayment headroomVideo
27:45

Your instructor

Incipio Studio

Original curriculum by Incipio Academy

Incipio Studio is the academy's in-house curriculum team. Studio courses distill proven playbooks, frameworks, and operator interviews into structured, do-this-next lessons, researched and produced by Incipio Academy.

“I had been quoted a factor rate I did not understand. Ran the module math, found the real cost, and swapped it for a line at a third of the price. Paid for itself in a week.”

Verified student

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