From Credit to Capital

Faris Alami
2 min readApr 19, 2024
Image from Unsplash by Stephen Phillips

Working with entrepreneurs for nearly a quarter century, I’ve come to realize that the best time to ask for money is when you don’t need it, or when you already have it. The worst time to ask for money is when you need it.

One of the most important aspects is having credit.

When you have credit, you have the ability to borrow before the frustration of not having money catches up to you.

When you don’t have credit, the ability to borrow is harder.

The more cash you have, the more likely you are able to get more. It might be expensive cash, but you can get it. Many of us running small businesses know the phrase Cash is King! In tough times, cash is what you need to stay afloat.

Expensive cash can eat up your small profit, which could, over time, put you in danger. So the ability to manage that is key, and the way you do that is by developing credit. This is why credit can get you capital. You build your credit, you build your capital.

Working with entrepreneurs for so long, I’ve seen it from the lowest credit possible to the highest possible. From the most damaged to not a hair of damage. What I’ve learned is this:

Those who have great credit have created access to capital and those who have bad credit have some potential opportunities for capital, but…



Faris Alami

Global Entrepreneurship ecosystem, SME and leadership development in local communities