The thing about being a business owner is that your business will either have loads of money, our just about to run out. Maybe there is a middle ground, but I've never come across it.
Generally, I'd say that whenever we have money in the bank we spend it. That's what being a growth business is all about. It may be used to expand our product range, try a new marketing initiative or maybe just batten down the hatches when the regulators move the goal posts on financial marketing
Inevitably, however, at some point, you're going to need an external injection of cash. Unless you've got really rich parents, you have two options, debt, and equity.
B...