Leverage builds Value

At OfBusiness, we have strongly believed in this philosophy.

When we were starting up, we looked for venture (and early) debt. Not only did it increase our runway of operations, but it also instilled discipline. To be evaluated and monitored on business parameters regularly is important to who we are today. Debt enforced that.

When we were growing up, we built leverage aggressively. To focus on building a business that generated significantly higher returns than the cost of debt is key to sustainable and high-quality growth. Debt pushed us to that.

When we were growing up, we became providers of debt to stable companies in our own ecosystem with our financing business. These were underserved by banks, and our capital built value for them, in conjunction with our commerce offerings.

When we have grown now, we provide debt to start-ups and emerging companies also. Ones who haven’t attained but promise stability. A small token of giving back to what we got from the ecosystem. Structured exactly to business needs (in addition to our other services), it sets one up for bank funding as one scales.

Capital via equity will see cycles. Capital via profits may be too meagre.
But debt, to the worthy, is the deepest, most formidable, and forever pool of capital.

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– Builders of Tomorrow
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