"positive net worth still" If its not in the bank, it does not exist. Trust me: I own a business. Me and a couple of mates have been doing it for 24 years.

"positive net worth still" If its not in the bank, it does not exist. Trust me: I own a business. Me and a couple of mates have been doing it for 24 years. We have a slack handful of employees. We've had good and bad years. At the moment it is a bit bad. Bad to the point where we are down a bit on our personal remuneration. You cannot replace loss of profits with loans. I might allow that you can use loans to bridge a known and controlled, temporary ... issue. That's a form of gambling and ideally you own or can kick the house in the knackers. There are all sorts of exciting sounding ways of running up huge debts and messing around with funky sounding things like gearing ratios. Do remember that not everyone gets to be a unicorn or even tinkerbell and plenty of businesses crack on and work and survive without being particularly exciting. They also might happen to be rather stable in a rather unstable world. They just get on with it.