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Survival vs Growth Finance: A Mindset Shift for Resilient Leaders

Matt Butcher, CEO - My Broker Solutions

This month at Queensland Leaders, I unpacked the difference between survival and growth finance. It’s a distinction that’s often overlooked—but it can define whether a business merely copes or truly thrives.

Survival finance is reactive—covering urgent costs, plugging cash flow holes. Growth finance is strategic—fueling expansion, acquisitions, and long-term capability. Confusing the two leads to misaligned funding, lender fatigue, and missed opportunities.

I also shared a video from our B-Kind series that points out the tell-tale signs of stress in Business Owners - https://www.youtube.com/watch?v=XRH7a6Cjy7A




If you would like more information about how to plan your borrowing to help you grow your business, then please feel free to reach out.

Quite often the strategy will be about a few stages to get you into the position that you want to be in 3-5 years, but it requires action now.

Dont wait until you need finance to survive as you will pay a lot more to get it.

Please feel free to reach out to Matt Butcher from My Broker Solutions at matt@mybrokersolutions.com.au | ph: 0401 193 999.