Waiting can be expensive…
We've watched a lot of owners lose deals.
Almost none of them lost because they made the wrong call.
They lost because they made the right call too late.
The invoice you can't cover, the equipment that would double your output, or the ad you desperately need to run.
You knew what to do, but you couldn't move.
And each day you sat on it, the decision got heavier.
Because waiting can feel like the cautious choice when it's actually holding you back.


Don't take our word for it
Ask the Fed.
In a recent Small Business Survey, managing cash flow and credit access sit right behind rising costs as the thing keeping owners up at night.
Here's something else that should grind your gears: that same survey found large-bank applicants wait the longest for a credit decision of any lender type.
Not funding, just the decision to move forward or not.

Meanwhile, community banks typically take 2 to 4 weeks for funding.
And SBA loans? 30 to 90 days.
Now, name one good opportunity that waited 90 days to get a yes…
Yeah. That's what we thought.

TOGETHER WITH SOFI
This is why we tell owners to line up their capital access before they need it.
Not when.
Before.
SoFi's Small Business Loan moves at the speed of your business, and you can get your funds within 24 hours after approval^
With loans up to $250K, and terms of 6, 12, 18, or 24 months: you get crystal clear pricing on the amount you need upfront.
And if you pay it off early, there's no penalty.
SoFi's Small Business Loans were built with small business owners in mind — like those with teams under 10 and annual revenue under $5M.
(The exact people that banks often make wait the longest.)
Because when your business moves fast, your money should too.
Click HERE to apply for a SoFi Small Business Loan.
Terms apply.

Jeff's advice
Jeff Bezos grew Amazon on a simple axiom: not every decision deserves the same amount of fear.

Some decisions are one-way doors.
Selling the company
Signing the 10-year lease
Building the new warehouse
Walk through those, and you can't walk back.
(At least not without a pretty hefty cost.)
Decisions like that deserve long, slow, sweaty deliberation.
Pretty much everything else?
Two-way doors. Reversible or fixable.
Hiring someone
Taking out a loan to finance new equipment
Designing a new logo
Bezos’ warning to his own team: treat every decision like a one-way door and you get slowness, risk aversion, and a company that stops inventing.
Said another way: being wrong may cost less than you think, but being slow is expensive for sure.
Now look at your last capital decision.
Was it a one-way door or a two-way door?
Did you wait too long, or did you act too fast?
Running decisions through this framework keeps you focused on what matters, without getting slowed down by decision fatigue.

Real Quick: FREE Event

Most owners try to scale by working more hours, but that’s a recipe for burnout.
There are five levers that grow a business without costing all your free time, and we'll walk through all five, live.
When you come to the event, you’ll learn:
What’s holding you back
Your highest-leverage move
How to optimize your cashflow
What your next step should be
Who to surround yourself with
Sign up for free and mark your calendar → Click HERE

Put it into action
Let's talk about the 24-Hour Rule.
If your next decision is a two-way door, you get 24 hours.
One day to deliberate before you have to move on it.
Because speed isn't recklessness.
Recklessness is going fast through a one-way door, while speed is refusing to crawl through a two-way one.
The owners who win aren't fearless.
They just know which doors are which.

Keep swinging,
-Team Contrarian
P.S. Codie goes deeper on all of this in her new book, Own or Be Owned.

Sign up here for the free launch event, learn how to make good decisions at scale, AND potentially win part of $1M+ in cash and prizes.
Plus, if you sign up to be an affiliate and bring tons of people, you could win exclusive merch, signed books, and more.
But no matter what, if you attend the launch on September 18th, you’ll walk away with my #1 business scaling tool, FREE.
Talk soon,
-Codie

The information contained here is educational, may not be typical, and does not guarantee returns. Background, education, effort, and application will affect your experience and the profitability of any business. Individual results may vary.
Contrarian Thinking has a paid partnership with SoFi.
SoFi Small Business Loans are originated by SoFi Bank, N.A.
Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To be approved, a borrower's home address and primary business operating address must be in the U.S. or U.S. territories, and you must meet SoFi's underwriting requirements in SoFi's sole and absolute discretion. Not all borrowers receive the lowest rate. Lowest rates are reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your business and personal creditworthiness, business revenue, and other factors. Rates and terms are subject to change at any time without notice. SoFi Small Business Loans may not be used for personal, family or household purposes. See SoFi.com/legal and SoFi.com/eligibility for more details.
Loan amounts range from $2,500-$250,000. The annual percentage rate (APR) is the cost of credit as a yearly rate and reflects your interest rate.
^As soon as 24 hour Loan Funding: Most borrowers receive funds within 24 hours if the loan is approved and the agreement is signed by 2:45 PM ET. The 24-hour funding timeframe excludes funding on weekends and federal holidays. This timing is not guaranteed, and delays may occur outside of SoFi's control, such as if inaccurate information is submitted, or the receiving provider declines the transfer. Your bank may have rules on when the funds become available.
What’d you think of this week’s newsletter?
Hit reply to let us know. How ya feeling? Did we crush it? Blow your mind? We read every response.
Want more where that came from?
Head to our website to learn more about our programs.

