Oftentimes we are taught to avoid debt, that debt is bad. Is it? There are actually 2 types of debt:  Good Debt & Bad Debt. How do you really know the difference? The ROL Formula actually helps you know when to take a loan or line of credit and when not to. With so many potential finance options online, how do you know what type of funding is best for you? When you understand the business funding marketplace the solutions become clear.