Chad Holstlaw Infinite Banking for Small Business Owners lit

Small business owners are successful because they’ve found a way to efficiently allocate capital in order to profitably produce goods and services that people want and need. The problem with the traditional cash flow model is that, due to the failures of our banking and monetary system, cash quickly flows in through one door and out the other, in which business owners only briefly retain control. Not only does this keep the business reliant on creditors, but by giving up control of your capital, you’re giving up any future growth on your capital. Despite the common narrative, everything you pay for is financed, either through third-party lenders or via lost opportunity costs.

Lastly, after being in business for several years, owners come to the harsh realization that capital is locked in the business. When it’s time to exit, owners have no good way of monetizing the value of their business they worked so hard building. The biggest assets are generally the owner or key employees (due to their ability to serve customers and source new business) and capital-intensive assets that depreciate over time like machinery or equipment, making any potential buyers reluctant about the business’s succession plans. However, intangible capital makes up roughly 80% of a business's value.

In this book, we delve deep into the financial system to explain the most important problems. Then, rather than outsourcing your finances to a third-party who is likely to risk your capital investing in other people's businesses, we'll show you how Infinite Banking serves as a sound money alternative, giving business owners the opportunity to safely grow and leverage capital, providing them with a far superior way to save, finance, and invest. Lastly, we'll show you how this is a perfect solution for business owners to build and leverage an incredibly safe tangible asset, while also improving numerous intangibles to drive business value.

The authors are two financial industry veterans with extensive but unique backgrounds. Our mission is to help clients increase financial sovereignty, protect & build capital, drive business growth, and monetize value.