You should not purchase hundreds of thousands of dollars worth of ads until you have a very good understanding of your unit economics and know that this ad spen

You should not purchase hundreds of thousands of dollars worth of ads until you have a very good understanding of your unit economics and know that this ad spend will be profitable. This is invariant regardless of whether you propose to fund that with cash or credit. Contrary the article, having credit cards available is a very, very useful thing as a self-funded entrepreneur. Particularly when you're mostly cash flow positive, they're an instant discount on many goods and services, and they allow you to cover week-to-week or month-to-month variability in cash flow without business or social consequence. Also, while I would strongly advise against running up $X0k in debt prior to launch, if you've got a decently operating business they're a reasonably cheap and very available form of credit. I've spiked my cards to, hmm, probably $80k or so at points over the years. That implies an interest expense of roughly $1,000 per month (assuming you revolve it). Interest is like any other business expense: $1,000 is cheap at the price if it buys you $2,000 of increased opportunities.