that is why growing too big too fast isn't good, there is nothing wrong with growing slower and using all cash to do so or almost all cash. you atleast want to be able cover all your operating expenses with cash, if you have to use credit just run your day to day operations you screwed up somewhere, either you took out too many loans at once, or don't charge enough for your work, or it could be both. I'm not saying either of you do but, but a lot of bigger guys do because they blew up over night and don't know how to handle that kind of money. it happened to me. I went from 16k my first year in business to 52k the next and didn't know what to do with all the money i was getting from storm clean ups so hired two guys and spent a lot of money there and just plain wasted a lot of cash. but I have learned from my mistake and now am much better at handling my finances.