If one of your employees didn't have a clear role or goals, you'd probably take immediate steps to fix that. Too many business owners let their money sit idle with no clear purpose, and it costs them more than they realize. Maybe it's a bloated emergency fund or cash you raised without a clear plan. Debt can be a powerful tool — but only when it's structured to support your business goals. Operating capital should help smooth out cash flow and reduce the need for financing.