Debt vs Equity – The Funding Dilemma for Growing Businesses

Every business reaches a point where it must decide — should you borrow funds or dilute equity for growth? As a Virtual CFO in Mumbai, I often see founders rush toward investors without realizing that equity comes with long-term ownership loss, while debt only brings short-term repayment pressure. The right balance depends on your cash flow predictability and growth stage. Remember, smart funding isn’t just about raising money — it’s about preserving control and maximizing long-term wealth.