Nearly every business has to borrow some money at some point just to be able to afford their basic operations. This has been true for a very long time and will likely continue to be true far into the future. However, this is something that you can model to predict how much you are going to be able to finance, and how much you should actually work on without financing help. This is known as financial modelling, and it can be done on the excel program. You will realize a great number of benefits from doing this, so there is no reason not to give it a try today.