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Welcome to Strategic Thinktank
Founded in 1994, Strategic Thinktank, Inc. is a small business advisory consultancy offering practical and results-driven strategic solutions to small and mid-sized (SMB) businesses.
Our consulting practice is located in Farmington Hills, Michigan.
We have over 25 years’ experience counseling, mentoring and coaching startups, and growing small and mid-sized businesses.
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Small Businesses Are Borrowing Again, Mostly on Lines of Credit
New lending followed, and businesses are borrowing to operate rather than to grow. A line of credit funds working capital: payroll, inventory, and the cash-flow gaps that open when customers pay slowly. A term loan funds expansion. The figures show which businesses are reaching for: total new loan balances rose 9.9% from a year earlier, but new lines of credit rose 31.1% while new term loans slipped 0.9%.
The Smallest Firms Are Carrying the Heaviest Load
The more durable response is to focus on what you can control: your own numbers, not industry sentiment or averages. Review your cash position, pricing power, and cost structure now, while you have room to make changes on your own terms. Strengthen your financial foundation so you can absorb pressure and respond quickly when conditions shift.
Capital Readiness Is a Strategic Question
his is why capital readiness is better understood as strategic rather than financial. The advantage is not access to capital. It is the flexibility to pursue an expansion, weigh an acquisition, or enter a new market when the opening appears.






