In this powerful episode of Your Business Concierge, host Debbie Merrick sits down with longtime colleague and financial strategist Jimmy Rios of Rios Business Advisors. Together, they unpack a fresh, game-changing approach to business funding and financial leverage that’s helping entrepreneurs build lasting wealth—not just get by.

Drawing on decades of experience in finance, credit, and business development, Jimmy shares how business owners can move beyond the cycle of debt and create productive systems that generate true financial freedom. From the cash flow quadrant to “productive vs. destructive debt,” this conversation challenges traditional thinking around loans, income, and scaling.

Whether you’re recovering from COVID-era disruptions or looking to future-proof your business with smarter financial frameworks, this episode is a must-listen. Discover how to create multiple revenue streams, structure your business for funding success, and use “your third arm” to accelerate growth—all without liquid millions or traditional investor status.

Highlights include:

• The difference between productive, unproductive, and destructive debt

• How to turn borrowed money into self-paying business assets

• The power of structured business credit (and how to build it fast)

• Why cutting marketing is killing your growth—and what to do instead

• Real-world insights from entrepreneurs who’ve built resilient businesses using these principles

Tune in now and learn how to borrow smarter, grow faster, and keep more of what you earn.

🎧 About Jimmy Rios

Connect with guest, Jimmy Rios of Rios Financial Group and get invited to a life changing evergreen event online to learn more about Eye Level to High Level Program.

* Website:

https://dmbusinessadvisors.com/elthl/

Subscribe to Your Business Concierge Podcast for more personal conversations about receiving expert guidance to navigate the complex world of business growth tailored to your journey.

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Host: Debbie Merrick

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This episode is brought to you by:

DM Business Advisors, LLC

Host: Debbie Merrick

Produced by: DM Business Advisors team