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Bimal Madhavan, Principal - Debt Advisory, Kreston ME Consulting
Ask most business owners what they think of debt, and you will hear a familiar set of words: burden, risk, exposure, constraint. For many, borrowing is something to be minimised, retired early, and spoken about with caution. Finance manuals and conservative advisors have long reinforced this instinct, treating leverage as a liability on the balance sheet of prudent management. While fiscal discipline is essential, a blanket refusal to utilize debt is more than just a missed opportunity; it is a strategic error that can stifle a company's ability to scale, innovate, and remain competitive. Debt is a tool & like any tool, its value is measured on how well it is used. A hammer can build a house or break a window. Similarly, Debt can create value or destroy it. The difference, in every case, is the judgment of the person deploying it.
