In 2000, I made a pivotal decision to pursue a business education, completing two majors by 2014. Since then, I’ve immersed myself in various startup environments, leveraging my skills across diverse industries, from FMCG to local market niches. Later, with a keen eye on my strengths and family background, I honed my focus 🎯 on the healthcare sector, investing two additional years to earn an MPH in 2020.

While serving as an employee on different roles in different startups I have found – employers value my comprehensive experience and expertise, often seeking me out to spearhead their ventures due to my proven track record in business development and management. I thrive on building enterprises from the ground up, ensuring smooth operations and continuous improvement. Beyond mere compensation, I’m drawn 😍 to roles that offer rich, multidimensional experiences.

However, echoing the wisdom of renowned psychologist Erich Fromm, I believe that self-actualization is paramount. Thus, alongside aiding others in their entrepreneurial endeavours, I embarked on my own entrepreneurial journey in 2020.

My Entrepreneurial Odyssey: A dilemma of buying a machine, choosing the optimal financing combination from the right finance source

As my venture flourishes, I’m currently navigating the complexities of working capital management and exploring financing options for a new machinery purchase. This juncture presents an exciting opportunity to bridge academic knowledge with practical solutions, propelling me further along my entrepreneurial odyssey.

I’m currently facing a dilemma regarding the purchase of an expensive machine, the optimal balance between debt and equity, and the most suitable sources of finance. To tackle this challenge, I’ve turned to specific chapters in my finance books, namely Operating and Financial Leverages, Working Capital Management, and Mid-Term Financing. I believe revisiting these chapters from my academic resources will provide me with the insights needed to make a well-informed decision.

I’m particularly drawn to two lines from the book:

… debt financing and financial leverage offer unique advantages, but only up to a point—beyond that point, debt financing may be detrimental to the firm”.

In my opinion, it clearly indicates – everything is a matter of degree. Everything has a breaking point. Beyond that point, even good things also fall apart.

And the concluding sentence of the conversation is truly profound:

“… all good things must be used in moderation”.

This wisdom resonates deeply with me. I’m confident that by carefully managing debt financing and leveraging it judiciously, I can optimise its benefits while ensuring a healthy balance for my firm.

I welcome you to join the conversation and share your insights. Feel free to suggest additional topics or share your opinions in the comment section below.


Hirt, Geoffrey A., Block, Stanley B., Danielsen, Bartley R.. (2009.). Foundations of financial management (13th ed.). Boston: McGraw-Hill Irwin.

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