{"id":97984,"date":"2026-05-21T15:57:57","date_gmt":"2026-05-21T19:57:57","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=97984"},"modified":"2026-05-21T15:58:00","modified_gmt":"2026-05-21T19:58:00","slug":"strategic-debt-stronger-business-how-to-build-financial-resilience-with-smart-borrowing","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/business\/managing-your-business\/business-planning\/strategic-debt-stronger-business-how-to-build-financial-resilience-with-smart-borrowing\/","title":{"rendered":"Strategic Debt, Stronger Business: How to Build Financial Resilience With Smart Borrowing"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr\">\r\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\r\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h4>\r\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\r\n<li class=\"wp-block-rbc-list-item\"><p>Debt isn\u2019t inherently good or bad. It depends on how and why it\u2019s used.<\/p><\/li>\r\n<li class=\"wp-block-rbc-list-item\"><p>Financial challenges often build over time \u2013 debt management plays a key role in maintaining long-term stability.<\/p><\/li>\r\n<li class=\"wp-block-rbc-list-item\"><p>Understanding what liquidity, solvency and leverage really mean can help you make better borrowing decisions.<\/p><\/li>\r\n<li class=\"wp-block-rbc-list-item\"><p>Healthy debt can support growth and flexibility, while unhealthy debt creates pressure and limits your options.<\/p><\/li>\r\n<\/ul>\r\n<\/div><\/div><br>\n\n\n\n<p>Whatever the economic environment, Canadian businesses face both financial pressure and opportunity in any given year. Today, those forces are more pronounced. Costs are rising, access to capital is shifting, and many businesses are relying on credit to manage day-to-day operations or fund growth.<\/p>\n\n\n\n<p>There\u2019s nothing inherently wrong with that. Debt can smooth out bumps in cash flow, fund expansion and help businesses operate more efficiently. But it can also introduce risk \u2013 especially when it\u2019s taken on without a clear plan. This is because small decisions can quickly compound. In the end, the difference between debt that supports your business and debt that creates pressure often comes down to how well it\u2019s planned from the start.<\/p>\n\n\n\n<p>According&nbsp;<a href=\"https:\/\/www.equifax.ca\/about-equifax\/newsroom\/-\/intlpress\/credit-stress-builds-for-some-smbs-as-debt-rises-and-bank-delinquencies-climb\" target=\"_blank\" data-dig-id=\"LP-97984-5a0cf0f1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"to Equifax Canada\u2019s Q4 2025 Market Pulse\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">to Equifax Canada\u2019s Q4 2025 Market Pulse<\/a>, financial trade delinquencies rose over 9 per cent year-over-year. At the same time, the Canadian Small Business Health Index declined 2.4 per cent over the same period, pointing to weakening business resilience as debt loads and credit stress rises.<\/p>\n\n\n\n<p>While these trends indicate that a growing number of businesses are struggling to meet their obligations, it doesn\u2019t mean that debt itself is the problem. The issue is in how it\u2019s being used.<\/p>\n\n\n\n<p><strong>The takeaway?<\/strong>&nbsp;Debt isn\u2019t something to avoid altogether \u2013 it\u2019s something to use strategically. Understanding how borrowing can support your business\u2019s resilience can help position it for long-term success.<\/p>\n\n\n\n<div class=\"wp-block-group has-text-reg-font-size is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<table class=\"table-swipe wp-block-rbc-responsive-table-block is-style-table-striped\"><thead><tr><th scope=\"col\"><strong>Concept<\/strong><\/th><th scope=\"col\"><strong>Definition<\/strong><\/th><th scope=\"col\"><strong>Time Frame<\/strong><\/th><th scope=\"col\"><strong>Why it Matters<\/strong><\/th><th scope=\"col\"><strong>Example<\/strong><\/th><\/tr><\/thead><tbody><tr><td>What is&nbsp;<strong>Liquidity?<\/strong><\/td><td>Your ability to cover short-term obligations like payroll, inventory or loan payments<\/td><td>Next 12 months<\/td><td>Even profitable businesses can run into trouble without cash at the right time<\/td><td>Having enough cash on hand to make payroll during a slow month<\/td><\/tr><tr><td>What is&nbsp;<strong>Solvency?<\/strong><\/td><td>Your long-term financial health \u2013 what you own versus what you owe<\/td><td>Long-term<\/td><td>Determines whether your business can sustain itself over time<\/td><td>Assets exceeding liabilities on your balance sheet<\/td><\/tr><tr><td>What is&nbsp;<strong>Leverage?<\/strong><\/td><td>How much of your business is funded by debt versus equity<\/td><td>Ongoing<\/td><td>A strategic tool that can support growth \u2013 or create risk if misused<\/td><td>Taking on a loan to invest in equipment that increases output<\/td><\/tr><\/tbody><\/table>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-these-concepts-work-together\">How these concepts work together<\/h2>\n\n\n\n<p id=\"h-\">Understanding each of these concepts on its own is useful, but the real insight comes down to how they interact. Liquidity, solvency and leverage are closely connected and focusing too heavily on one while overlooking the others can create blind spots in your financial strategy.<\/p>\n\n\n\n<p id=\"h-\">For instance, a business can be:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\r\n    <li class=\"wp-block-rbc-list-item\">Liquid but not solvent, meaning it can pay the bills today, but is carrying too much long-term debt to stay financially healthy over time<\/li>\r\n    <li class=\"wp-block-rbc-list-item\">Solvent but not liquid, where it is financially sound overall, but short on cash flow right now<\/li>\r\n<\/ul><br>\n\n\n\n<p>Strong businesses manage both and use leverage in a way that supports each measure of financial health.<\/p>\n\n\n\n<p>This is where planning becomes critical, as decisions around borrowing, repayment and investment all contribute to how these three measures evolve over time.<\/p>\n\n\n\n<div class=\"wp-block-group has-rbc-bright-blue-tint-4-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Need support tracking cash flow? Accounting platforms like&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/business\/beyond-banking\/accounting-software-b.html\" target=\"_blank\" data-dig-id=\"LP-97984-fa49eea2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Xero\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Xero<\/a>&nbsp;can make it easier to monitor liabilities and stay on top of repayment timelines.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-debt-can-become-a-problem\">When debt can become a problem<\/h2>\n\n\n\n<p>Debt-related challenges rarely happen all at once. More often, they build gradually, as small decisions that add up over time.<\/p>\n\n\n\n<p>Understanding your debt position can help you stay in control and make more informed decisions. And when used thoughtfully, debt can support your business. Without a clear strategy, on the other hand, it can put pressure on your bottom line.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-warning-signs-of-unhealthy-debt\">Warning signs of unhealthy debt<\/h3>\n\n\n\n<p>If any of the following sound familiar, it may be time to take a closer look at your approach to debt. The sections that follow outline several ways to address these challenges and regain control:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Borrowing to cover routine expenses<\/strong>: Using credit for payroll, rent or inventory can indicate a cash flow issue.<\/p>\n\n\n\n<div class=\"wp-block-group has-rbc-bright-blue-tint-4-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>If payroll is becoming difficult to manage, solutions such as&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/business\/beyond-banking\/payroll-hr-solutions.html\" target=\"_blank\" data-dig-id=\"LP-97984-4b219d3e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"ADP payroll services\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">ADP payroll services<\/a>&nbsp;can help streamline processes and improve visibility into your ongoing obligations.<\/p>\n<\/div>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Taking on new debt to pay for existing loans<\/strong>: Refinancing or stacking loans to stay afloat can quickly become a cycle that\u2019s difficult to exit.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Blurring personal and business finances<\/strong>: Using business debt to fund personal expenses makes it harder to track performance and manage obligations.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>No clear repayment plan<\/strong>: Debt taken on without a defined path to repayment tends to linger \u2013 and ultimately grow.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Rising debt with flat or declining value<\/strong>: If your liabilities are increasing but your income isn\u2019t, your risk is compounding.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-quick-self-check-are-you-over-leveraged\">A quick self-check: Are you over-leveraged?<\/h3>\n\n\n\n<p>Before taking on more debt \u2013 or if existing obligations are starting to feel tight \u2013 it\u2019s worth stepping back to assess your position. A simple self-check can help you determine whether your current level of debt is still supporting your business or beginning to cause strain.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\r\n    <li class=\"wp-block-rbc-list-item\">If revenue dropped by 20%, could I still meet my obligations?<\/li>\r\n    <li class=\"wp-block-rbc-list-item\">Do I know exactly how and when each debt will be repaid?<\/li>\r\n    <li class=\"wp-block-rbc-list-item\">Is my debt helping generate revenue, or just covering gaps?<\/li>\r\n<\/ul><br>\n\n\n\n<p>If the answers are unclear, it may be time to reassess your approach. That could mean reviewing your cash flow more closely, prioritizing repayments or speaking with a financial advisor or lender about restructuring options before small issues become bigger.<\/p>\n\n\n\n<div class=\"wp-block-group has-rbc-bright-blue-tint-4-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Tools like the&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/business\/paying-and-receiving\/business-cash-flow-tool.html\" target=\"_blank\" data-dig-id=\"LP-97984-b2c141a3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Business Cash Flow Calculator\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">RBC Business Cash Flow Calculator<\/a>&nbsp;can provide an analysis of your current cash flow position and offer advice and resources to help you manage it better.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-opportunity-when-leverage-builds-resilience\">The opportunity: When leverage builds resilience<\/h2>\n\n\n\n<p>When used strategically, debt can be a lever to effectively build your business \u2013 and your ability to weather fluctuations in revenue, demand and cash flow.<\/p>\n\n\n\n<p>Used well, leverage can:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\r\n    <li class=\"wp-block-rbc-list-item\">Fund expansion into new markets<\/li>\r\n    <li class=\"wp-block-rbc-list-item\">Support hiring or capacity growth<\/li>\r\n    <li class=\"wp-block-rbc-list-item\">Smooth seasonal cash flow fluctuations<\/li>\r\n    <li class=\"wp-block-rbc-list-item\">Allow you to invest ahead of revenue<\/li>\r\n<\/ul><br>\n\n\n\n<p>What differentiates healthy debt from harmful debt is that it is tied to a clear outcome \u2013 and comes with a realistic path to repayment.<\/p>\n\n\n\n<div class=\"wp-block-group has-rbc-bright-blue-tint-4-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Keep in mind, funding doesn\u2019t need to come from debt alone. Government grants and funding programs identified through partners like&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/business\/beyond-banking\/government-grants-b.html\" target=\"_blank\" data-dig-id=\"LP-97984-7379becf\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"GrantMatch\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">GrantMatch<\/a>&nbsp;can help offset costs and boost your financial position without adding to your liabilities.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-story-of-two-businesses\">The story of two businesses<\/h2>\n\n\n\n<p>To see how the use of leverage can play out in business, consider these two examples:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-business-a-debt-free-but-exposed\">Business A: Debt-free, but exposed<\/h3>\n\n\n\n<p>Business A has taken a conservative approach to its business growth. They avoid borrowing wherever possible and operate with minimal debt.<\/p>\n\n\n\n<p>On the surface, this looks strong, but the business also:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">Holds limited cash reserves<\/li>\n    <li class=\"wp-block-rbc-list-item\">Has not invested in operational efficiencies<\/li>\n    <li class=\"wp-block-rbc-list-item\">Relies heavily on steady revenue to cover costs<\/li>\n<\/ul><br>\n\n\n\n<p>When demand slows unexpectedly, the business has limited options. Without access to capital or cash buffers, it\u2019s forced to cut costs quickly, negatively impacting its long-term performance.<\/p>\n\n\n\n<p><strong>Result<\/strong>: Despite having little debt, the business is vulnerable due to low liquidity and limited flexibility.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-business-b-strategically-leveraged\">Business B: Strategically leveraged<\/h3>\n\n\n\n<p>Business B uses debt more actively, but also with discipline to keep it manageable.<\/p>\n\n\n\n<p>It has:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">Secured financing to invest in equipment and systems that improve efficiency<\/li>\n    <li class=\"wp-block-rbc-list-item\">Maintained a cash buffer for short-term needs<\/li>\n    <li class=\"wp-block-rbc-list-item\">Structured its debt with manageable repayment terms<\/li>\n<\/ul><br>\n\n\n\n<p>When the same slowdown hits, Business B can draw on its reserves and make measured adjustments, such as slowing hiring, delaying non-essential spending, renegotiating supplier terms or pacing new investments. Because it isn\u2019t under immediate pressure, these decisions can be made thoughtfully rather than reactively.<\/p>\n\n\n\n<p><strong>Result<\/strong>: The business remains stable, having used debt strategically to boost its resilience and reserves.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-questions-to-ask-yourself-before-borrowing\">Questions to ask yourself before borrowing<\/h2>\n\n\n\n<p>Debt isn\u2019t something that needs to be avoided. The goal, rather, is to ensure it\u2019s working for you. Before taking on new financing, consider the following:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">What specific outcome will this debt support?<\/li>\n    <li class=\"wp-block-rbc-list-item\">How will it generate revenue or improve efficiency?<\/li>\n    <li class=\"wp-block-rbc-list-item\">What does the repayment timeline look like? And can you keep it up under different scenarios, such as a drop in revenue or surprise expenses?<\/li>\n    <li class=\"wp-block-rbc-list-item\">How will this affect my liquidity and solvency?<\/li>\n<\/ul><br>\n\n\n\n<p>These questions shift the approach to borrowing from a reactive decision to a strategic one.<\/p>\n\n\n\n<p>Strong borrowing decisions often begin well before financing is in place. In fact, they begin with a clear plan for how debt will support your business and how it will be repaid from the outset.<\/p>\n\n\n\n<div class=\"wp-block-group has-rbc-bright-blue-tint-4-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>If you\u2019re planning to take on financing, tools like the&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/business\/advice\/business-plan-builder\/index.html?utm_dc=ga_SEG_68615766_179948645231_742030985441_kwd-553491508079_c_g_&amp;gad_source=1&amp;gad_campaignid=68615766&amp;gbraid=0AAAAAD7q9iAsHeA3ohks0GaRpgO3DiJpl&amp;gclid=CjwKCAjwtcHPBhADEiwAWo3sJkKE0UHOeUCknzHakKc81JC2wOeuVPoG4qNjQJJgBTFjqKCTvA6_9xoCigIQAvD_BwE\" target=\"_blank\" data-dig-id=\"LP-97984-9612a5a2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Business Plan Builder\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">RBC Business Plan Builder<\/a>&nbsp;can help you map out how the investment supports your goals \u2013 and how you\u2019ll manage repayment over time.<\/p>\n<\/div>\n\n\n\n<p>Debt doesn\u2019t need to be avoided, but it does need to be understood. Businesses that manage leverage well aren\u2019t necessarily the ones with the least debt, but the ones that use it strategically. By keeping a close eye on liquidity, solvency and how your debt supports your overall goals, you can make decisions that strengthen your business today \u2013 and over time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faq\">FAQ<\/h2>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title1c19b933\" class=\"collapse-toggle collapsed\" data-target=\"#accordion1c19b933\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-97984-1c19b933\" aria-controls=\"accordion1c19b933\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Is all business debt bad?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Is all business debt bad?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion1c19b933\" role=\"region\" aria-labelledby=\"accordion-title1c19b933\"><div class=\"collapse-inner\">\n<p>No. Debt becomes problematic when it\u2019s used to cover ongoing gaps rather than support growth or efficiency. Strategic borrowing can strengthen a business.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlef85f9827\" class=\"collapse-toggle collapsed\" data-target=\"#accordionf85f9827\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-97984-f85f9827\" aria-controls=\"accordionf85f9827\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What\u2019s a simple way to tell if my debt is healthy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What\u2019s a simple way to tell if my debt is healthy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionf85f9827\" role=\"region\" aria-labelledby=\"accordion-titlef85f9827\"><div class=\"collapse-inner\">\n<p>If your debt is tied to a clear return \u2013 i.e., increased revenue, improved margins or efficiency gains \u2013 and you have a plan to repay it, it\u2019s more likely to be healthy.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleee6abba5\" class=\"collapse-toggle collapsed\" data-target=\"#accordionee6abba5\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-97984-ee6abba5\" aria-controls=\"accordionee6abba5\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How much debt is too much?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How much debt is too much?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionee6abba5\" role=\"region\" aria-labelledby=\"accordion-titleee6abba5\"><div class=\"collapse-inner\">\n<p>There\u2019s no universal number. It depends on your industry, cash flow stability and margins. A practical test is to forecast whether you could still manage your obligations if revenue dropped meaningfully.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titled1ffb86a\" class=\"collapse-toggle collapsed\" data-target=\"#accordiond1ffb86a\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-97984-d1ffb86a\" aria-controls=\"accordiond1ffb86a\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What should I prioritize \u2013 liquidity or solvency?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What should I prioritize \u2013 liquidity or solvency?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiond1ffb86a\" role=\"region\" aria-labelledby=\"accordion-titled1ffb86a\"><div class=\"collapse-inner\">\n<p>Both liquidity and solvency are important factors of a healthy business. Liquidity keeps you operating day-to-day, while solvency contributes to your long-term survival. Strong businesses balance the two.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-rbc-bright-blue-tint-4-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"h-build-a-more-resilient-business\">Build a more resilient business<\/h3>\n\n\n\n<p class=\"has-text-align-center\">Explore more ways to strengthen your financial foundation:<\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/business\/managing-your-business\/cash-flow-management-and-financials\/how-to-build-financial-resilience-with-smart-cash-flow-management\/\" target=\"_blank\" data-dig-id=\"LP-97984-bbb4d12c\" data-dig-category=\"LP\" data-dig-action=\"link click\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">How to Build Financial Resilience With Smart Cash Flow Management<\/a><\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Not all business debt is created equal. Explore the distinctions between healthy and harmful credit and how to leverage debt to boost your business\u2019s 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