When talking honestly borrowing is not a good thing, that is correct, if you can do it yourself it is much better, which means that you without loan money are able to have excellent progress, but it is true that everyone is not in the same condition, they need a loan to encourage them to stay alive because they do not have money to buy food, it is not a problem if able to pay for it later, (do not destroy the loan laimmer trust).
In some circumstances the company is also the same, they do need loans to make them develop or take certain opportunities in the conditions of the condition when they do not have enough money but need a large dwarf in front of the eye, so if you take into account the risks and also the benefits gained are much greater, then taking the proper choice is the right choice.
The loan depends on how you use it and for what the purpose is that of course must be far more useful, but what needs to be considered as well, loan interest, lenders and loan contracts, do not pass through small things, many traps that might kill you.
Actually, the real meaning of business is to invest money at the right time and earn profit at the right time. In doing business, we have to know by gaining experience that when we should invest large funds, we will be able to take our business to a larger scale and then we have to invest. If we have that money, then it is good and if we don't have it, then we can take a loan. In that case, I have never considered taking a loan to be a bad thing.
If we have to create a big startup, we must not take this kind of risk or we will have to continue with traditional business.
There are also many businesspeople who go bankrupt because they take out the wrong loans or take unnecessary risks, so this is relatively negative rather than positive. Although we cannot directly claim that borrowing is bad, the impact of instability is something that can be dangerous.
This reminds me of a businessman in my village who planned to expand his business and intentionally borrowed money from the bank to increase his capital, using vehicle documents and land as collateral. However, circumstances changed, did not go as expected, and ultimately he could not make a profit, instead facing bankruptcy.