Hey, thanks so much guys! I guess the best plan is to keep growth to 20-25%. I think I will put together a whole package/plan for expansion capital and have it on hand. If it looks like we are growing a lot this year or a big opportunity comes along to take on a bunch of work, I will be prepared and can apply for more capital if needed to purchase more equipment etc instead of dipping into savings so much. I know paying interest sucks but it's not that bad, especially when you have tons of work waiting.
I really appreciate everyone's advice on experience.