eComFuel Podcast Avoiding Dangerous Debt Mistakes & Borrowing Wisely - Financial Mastery Series Part 4
Feb 6, 2026
Bill D'Alessandro, an e-commerce acquisitions and financing expert, joins to unpack borrowing wisely. They highlight deadly debt mistakes like merchant cash advances, personal guarantees, and refinancing traps. Short, tactical segments cover when debt makes sense, tracking loan ROI, and alternatives to borrowing.
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Get Credit When You Don’t Need It
- Do set up lines of credit proactively when your business is healthy because approval takes time and is easier when financials look good.
- Keep in mind many small business lines rarely have onerous covenants once issued, giving optionality later.
Track ROI And Segregate Borrowed Funds
- Track ROI religiously on any borrowed funds so you know the impact and can justify the cost of capital.
- If you borrow cheap money, keep it in a separate account and earmark its purpose to avoid waste.
Respect Personal Guarantees
- Avoid signing personal guarantees lightly and assess if you'd personally write that check if the business failed.
- Recognize PGs can reach many personal assets and create long-term life consequences if things go wrong.