My guest today is Mr. Michael England, president of River Capital in Stafford, Virginia.

What we're talking about in this episode is credit. Specifically business credit; why it's so important and what you can do to build up your company's ability to borrow.

The third of the Six M's in my book Unlocking The M Cube is Money.

Access to capital is a critical success factor when starting, growing and running your business.

I am not a proponent of borrowing too much, having found myself overleveraged in the past.

But I do know that the right mix of vendor credit, equipment financing and lines of credit are very important if you want to avoid cash flow problems.

That's why I invited Mr. England to share some knowledge on Radio Free Enterprise.