Let’s cut through the crap.
Everyone talks about “using finance to grow your business” — but no one actually explains how to do it properly.
Here’s the truth: financing dumb sh*t won’t make your business better. It just makes your repayments bigger.
If you’re gonna take on debt, make sure it’s the kind that actually makes you money.
What Not to Finance
Let’s start here — because this is where most business owners screw it up.
Here’s what not to use business finance for:
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A flashy new vehicle just to “look the part”
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Office fit-outs that don’t improve your workflow
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Marketing you can’t track or measure
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Stuff that makes you feel good but does nothing for your bottom line
Look, you’re not Westfield. You don’t need a neon sign or gold-plated reception desk.
You need gear, tools, or resources that generate income.
What Smart Business Owners Finance Instead:
If you want to use finance like a weapon — here’s what actually works:
1. Income-Producing Equipment
Whether you’re a tradie, a café owner, or in logistics — if it makes you more money, it’s smart to finance it.
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New machine = more jobs
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More jobs = more income
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Finance cost = covered by extra revenue
It’s a no-brainer.
2. Stock or Supplies That Sell Fast
Can’t keep up with demand? Use trade or short-term finance to bulk order what’s flying off the shelves — and flip it into profit before the first repayment even hits.
3. Hiring a Gun Staff Member
Can’t afford the extra head? Finance a few months of their salary while they ramp up — and let them bring in business that pays for themselves 10x over.
4. Marketing That Actually Converts
Not boosting posts. Not handing out flyers.
We’re talking targeted, ROI-driven campaigns — the kind that generates consistent leads and sales.
Use finance to fund a proven strategy — and if the numbers stack, it’s just fuelling your growth engine.
It’s Called “Good Debt” for a Reason
Good debt:
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Helps you earn more
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Gives you leverage
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Moves the needle
Bad debt:
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Looks shiny, feels nice, burns your cash flow
If your finance isn’t making your business more efficient, more scalable, or more profitable — you’re doing it wrong.
Our Clients Are Doing It the Smart Way
We’ve helped:
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A concreter buy an excavator that now earns him $8k/week
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A gym owner finance new gear and triple their membership base
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A café secure short-term working capital to launch a second location
That’s the power of finance used properly.
It’s not just borrowing. It’s scaling.
Final Word: Don’t Just Borrow — Build
Finance isn’t a magic wand — it’s a tool. Used wrong, it’ll bury you.
Used right, it’ll turn your small business into a serious operation.
At Lyft Money, we don’t just get you approved.
We help you finance what actually matters.
Ready to Grow Smarter?
If you’re ready to fund growth — not just expenses — we should talk.
We’ll help you:
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Figure out what’s worth financing
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Match you with lenders that get your business
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And create a repayment plan that works with your cash flow