Jan. 20, 2026

Powerful Business Strategies - Line of Credit

Show Notes
Transcript

Line of Credit – You must have a line of credit even if you don’t use it. You never know when you need it. However, you must use the line of credit for the purposes it was intended.

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Hi, you have done too the sensue wow for.

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You your.

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This is the Pipe Man here on the Adventures Pipe

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Man W four c Y Radio and this is the

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positively pipe main segment of the Adventures of Pipe Man

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with our next step CFO Michael Barberita, who is going

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to give us some powerful business strategies. So welcome to

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the show, Michael, and let's talk about lines of credit.

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Thank you, Dan, thanks for having me so yeah, a

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line of credit.

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Now.

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You know, when I get a new client, one of

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the first questions you know, early on did I ask,

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is whether or not they have a line of credit?

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And about I would say at least sixty percent of

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the time they do not. And that is a you, huge,

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huge mistake because, as everybody knows, business has its ups

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and downs, and you know, poo poo happens I as

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you probably already know. And part of that poo poo is,

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you know, poor cash flow due to whether it's economic conditions,

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whether it's just a seasonality thing, whether it's a bad

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sales week, whatever it may be. There's a million ways

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to have a cash flow dip, and most of them

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can be temporary. If you manage your cash flow properly,

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and so but be that as it may, you must

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must have access to align of credit. We're not asking

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you to go out and get a loan. We're asking

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you to get aligne of credit that doesn't have to

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be used if not needed, and you only pay about

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one hundred and fifty dollars a year to the banks

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that charge it. I have a couple I know of

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a couple of banks that don't charge anything for the

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align of credits. So you know, it's it's free to use,

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and that's the end of it, uh with you know,

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one big one fee up front, like four hundred dollars

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up front, and that's the end of it. So, but

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a line of credit is something that is just incredibly valuable.

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And a rule of thumb, here's a rule of thumb

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of how much, because lots of times business owners ask, well,

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how much should I get for a line of credit?

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At a minimum ten percent of your annual sales at

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an absolute minimum I like to get. I like to

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try to go for fifteen percent. It depends upon your

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credit and your situation, you know. But but even if

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somebody should get let's say, a two million dollar business

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should have a two hundred thousand dollars line of credit

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and they can't get it, but they can get a

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fifty thousand dollars line of credit. I make sure they

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get at least a fifty thousand dollars line of credit

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because you've got to have it. It's very important. And

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you're not paying on an amount of money for it.

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You're not paying interest on it until you use it.

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And you know, the other thing is is there's a

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proper way to use a line of credit, then there's

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an improper way. Number one, it's not an equipment loan.

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Sometimes business come up buy equipment with their line of

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credit and then the bank who has what's called a

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zero balance provision in most line of credit agreements, and

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a zero balance provision means that you've got to zero

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out your line in a period of twelve months. You've

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got to zero out your line of credit for thirty days.

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So if you're going to buy equipment with your line

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of credit, you're not going to zero out your line

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of credit, and that's going to cause problems. Now some

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for the most part, as long as you're making your

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interest payments, banks leave you alone. They let things carry forward.

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But just wait till there's an economic crisis, and the

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bank is not to get pressure from the FED to

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start exercising their rights under these agreements like the zero

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balance provision. It's not calling in loans as a result

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of it. That's what happens. So you're going to use

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your line of credit for cash flow dips essentially and

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seasonality situations. Other than that, you really shouldn't use your

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line of credit to buy equipment or it's a fund

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operating losses. That's another mistake. Now if you think if

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operating loss is temporary, that's different. But if you think that,

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then you might go through a couple of years funding

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it operating loss to a line of credit. I know

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it's there. I know you'll probably do it, but it's not.

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It's not a good idea. Not a good idea. Credit cards,

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that's right, stop making profit. And there are a variety

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of ways.

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We've talked a lot of strategies in the course of

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the show on how to go about increasing sales, increasing business,

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having better pricing strategies, up sells, down cells, cross sells.

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We've talked about strategic partners. If we talked a number

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of ways to increase sales, that's what you should be

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doing instead of funding your operating losses with a line

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of credit.

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So I have a question too that probably a lot

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of listeners are thinking of. Okay, so how hard is

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it to get this line of credit? Because I would

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think that it's much harder to get a business loan

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than personal loan, and I would think that a line

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of credit would be very hard to get because they

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know that you could make the mistakes that you were

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just talking about, and that puts you as more of

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a risk. And because it's a line of credit, like

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if you buy equipment, they don't have a lean on

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your equipment because it's a line of credit. So what's

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your advice and information about you know how solid it is?

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And you have to be to get a line of

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credit for your business.

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So if I went to three days, okay, there'd be

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one bank that you'd have to be a an outstanding citizen. Okay,

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you have to you have a lot of profit. You

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have to show a lot of profit. They're going to

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put you through the wringer. There'll be another bank that

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has moderate requirements, and then they'll be there's a bank

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that has ice cream requirements. For example, let me give

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you an example of a bank in this local area

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that has ice cream requirements. You have to make at

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least one dollar or more in your last tax return,

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and and uh you, uh you, your sales have to

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be over like one hundred thousand dollars and you could

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qualify for as much as seventy five thousand dollars line

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of credit. That's the end of the underwriting.

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Wow, So that.

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Okay, you have that. By the way, these are complacent

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banks who need loans. Let's call Spain.

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It's paid.

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This is what happens. Okay when times are tough, those

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terms are gone.

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Yeah, yeah, yeah, all right.

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Then you have those banks that, uh you know, have

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moderate requirements.

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Well, let's go back to the ice cream for a second.

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I like the ice cream.

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Yeah, so what I just I just go bring them

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some ice cream and they'll give me the loan. But

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how do you know which banks are the ice cream banks?

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You're gonna make calls? I guess they change because it's

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all about how much business they need, how much you know,

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if they need to loan money, that's all. It's about.

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The more opportunities, the more credit lines that they give up,

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the more opportunities they have to loan money, the more

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risk they have. And so when times are not as tough,

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banks get aggressive, just like businesses get aggressive potentially with

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advertising or you know, going for it kind of thing

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with you know, with their business and and and and

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taking on extra risk. Banks do the same thing. And

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different banks at different times do that. And what's very

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interesting about it is that there's certain banks in this

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area that I never do business with because if you

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ever go to default, they said, the castapo after you.

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There's other banks that don't do much at all, Dean,

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So you've got to kind of you should talk to

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a fractional CFO because they know what banks are, uh

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you know, are the ice cream banks in your market.

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So you should really talk to a fractional CFO about it,

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because that's one of the things that we know now.

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I know about the New England area, and I have

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contacts around the country as well. Uh So if somebody

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called me and they had uh they were living in Tapeka, Kansas,

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I could probably help them and point them in the

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right direction in terms of you know, what banks to

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go after and what banks to not go after, not

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not pursue.

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So now that we're going to go talk about the

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media ochre in the heart, I would assume that it's

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a good assumption that the big banks, the like nationwide

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big banks are not going to be the ice cream banks.

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Before well before two thousand and eight, you were wrong.

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Six two thousand and eight, the bank of a Bank

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of America took they used to give they used to

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give lines of credit out for us just forget about

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tax returns, forget about business profit. They used to give

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it based on over five seventy five credit score. You

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got one hundred grand. They got murdered. They got so

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murdered during the OA crisis they didn't even have to

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They didn't even pursue any of the personal guarantees. They

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just wrote off all of it and said forget it.

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Wow.

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Yeah uh. And and I had two or three centul

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client new clients that came to me because they were

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in trouble with the bank. Well they weren't in trouble

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with as it turned out, but that they had gone

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in default with the Bank of America during the crisis,

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and Bank of America just said, we wrote it off.

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Don't worry about it. We wrote off. So but since

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then those banks have tightened up to your point, and

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more of the uh, I'm not going to say local banks,

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but banks that are intermediate size, say a couple a

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billion of three billion in assets. Those banks, uh, some

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of those banks, some of those banks have have real

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easy requirements to get a line of credit.

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HM.

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So you have to shop around and then you have

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to talk to somebody who kind of knows the banks. Yeah,

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because you don't want to go. There might be an

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ice cream bank, but they come after you with full

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force if you're go into the fall, so you might

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you might want to stay away from that.

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But so though the ice cream truck that gives you

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the ice cream, and then as you walk across the street,

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they run you over. There you go because you didn't

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pay for your ice cream, right, that's.

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Right, Yeah, that's exactly right. You didn't pay for it,

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So now we're going to run you over. And that's

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basically what happened. So I think the banking world you

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have to be careful, but by all means you need

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to have a line of credit for protection. It's just

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that it's all it is is defense. It's not offense,

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it's defense. And you know, one of the first things

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I did when I started my business at seven was

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get a line of credit. And I started with it

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like a ten thousand dollars line of credit, real small, uh,

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and then you know, built it up as my business growth.

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But you know it's it's a it's a definite requirement.

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Well, and I think a lot of people don't realize too.

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I'm glad you said what you did before about what

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you shouldn't do. It's not a bank account like lots

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of the people think a line of credit is a

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bank account. Like, No, it just sits there. Pretend like

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you don't have it unless it's an emergency, kind of

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like your retirement plan in personal life. Can you have

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access to your retirement plan? You sure can, but you're

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going to count that money as gone unless something devastating

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happens and you absolutely need to access it.

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The best time you use the line of credit is

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when your cash and receivables added together cover your payables

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and whatever you take out of the line of credit,

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because that will hop that liquidity eventually, the receivables will

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eventually become liquid and you can pay down the line

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of credit. So it's not that's the best way to

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use it because sometimes because even though your cash and

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receivables are higher than your payables credit line, you can't

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make payroll this week, you know, because the receivables are

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just have too high. It's just a cyclical thing. It's

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not like you're mismanaging your receivables. It's just a cyclical thing.

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So many many times, and by the way, lots of

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times in those situations, your credit line is outstanding for

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a week or two.

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That's it, right, But it saved you make.

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You from go to a credit card paying eighteen percent

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or some twenty five whatever crazy percent you're paying. You know,

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we saved you from borrowing it from Maine.

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Uh.

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You know, it's just you know and having uh you know,

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that embarrassment with family or or telling the wife you

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have to go into hip Hocket National Bank, you know,

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to take the money up and put in the business.

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That's never a spouse. That's never a good conversation.

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No, they don't want to do that.

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No, got to do that. So anyway, that that's it.

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And you know the way the way you can reach

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me by going to NEXTSTEPCFO dot net and go to

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the contact page on my website. Fill out the contact form,

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and if you have a question about line of credits,

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you can put the words line of credit in the

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message section. Be happy to answer.

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Your questions and go out there and get yourself an

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ice cream truck. Thanks once again, Michael for some great

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advice and I look forward to a lot more from

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you in our powerful business Strategy segment of the Positively

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pipemin and next week we're going to talk about something

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that goes hand in hand with that line of credit,

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solving cash flow problems. So stay tuned, come back to

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here the Adventures of pipemin W four cy Radio.

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Thank you for listening to the Adventures of Pipemin im

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W for CUI Radio.