In physics, friction is the force that resists motion. In business, 𝗳𝗿𝗶𝗰𝘁𝗶𝗼𝗻 𝗶𝘀 𝗮𝗻𝘆𝘁𝗵𝗶𝗻𝗴 𝘁𝗵𝗮𝘁 𝘀𝗹𝗼𝘄𝘀 𝗱𝗼𝘄𝗻 𝘆𝗼𝘂𝗿 𝗰𝗮𝗽𝗶𝘁𝗮𝗹.
We have all seen it:
🔹 The deal that died because the bank needed 60 days to appraise a building.
🔹 The inventory discount missed because the credit committee met only once a month.
🔹 The marketing campaign delayed because legal was drafting liens on equipment.
Sophisticated entrepreneurs are tired of friction.
📌 They are shifting toward 𝗨𝗻𝘀𝗲𝗰𝘂𝗿𝗲𝗱 𝗖𝗮𝗽𝗶𝘁𝗮𝗹 because it acts as pure fuel for the engine. It enters the business ecosystem cleanly—without the drag of collateral, appraisals, or dilution.
Why "Zero Friction" Matters?
The primary advantage here is 𝗩𝗲𝗹𝗼𝗰𝗶𝘁𝘆.
When you remove the need to value physical assets, the underwriting process collapses from months to days.
This is the quickest path to getting funded in the current market.
Where does this "𝗣𝘂𝗿𝗲 𝗙𝘂𝗲𝗹" work best?
I advise founders to deploy unsecured capital in high-ROI areas where speed is critical:
𝗙𝗼𝗿 𝗦𝘁𝗮𝗿𝘁𝘂𝗽𝘀 & 𝗘𝗮𝗿𝗹𝘆 𝗦𝘁𝗮𝗴𝗲:
🔑 Bridge to Series A: Extend your runway to hit higher valuation metrics before you raise equity.
🔑 Product Launch Sprints: Pour fuel on marketing immediately after finding product-market fit.
𝗙𝗼𝗿 𝗘𝘀𝘁𝗮𝗯𝗹𝗶𝘀𝗵𝗲𝗱 𝗘𝗻𝘁𝗲𝗿𝗽𝗿𝗶𝘀𝗲𝘀:
🔑 Inventory Arbitrage: Buy in bulk instantly when suppliers offer flash discounts.
🔑 Tech Overhauls: Upgrade your CRM or automation stack immediately to increase efficiency.
🔑 M&A: Have the cash on hand to acquire a competitor’s book of business the moment it becomes available.
If you are confident in your unit economics, borrowing against your future performance (unsecured) is often smarter than borrowing against your past purchases (collateral). 🤔
Stop letting the "friction" of old-school lending slow down your growth.
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