How to increase net worth as a business owner taking advantage of business loan

Use the loan to buy or build income-producing assets that grow faster than the interest you pay—then sweep the spread into personal equity.
Five moves, zero fluff:

1. Buy cash-flow first
   Borrow only if the asset (equipment, inventory, SaaS code) will generate ≥1.5× debt service within 12 mo.
   Example: 8 % APR loan, 20 % annual return on inventory turn = 12 % net spread straight to owner’s draw → personal brokerage.
2. Stack lender money, not owner money
   Keep your cash as collateral (CD or Treasury) and take a secured 4–5 % line; pledge the asset you just bought.
   You still earn the yield on the collateral while the asset pays off the cheaper loan—net-worth neutral on paper, cash-rich in reality.
3. Force depreciation into your pocket
   Buy qualifying equipment or real estate, take 80–100 % bonus depreciation year 1, wipe out the business profit that the loan created; tax savings flow to your personal capital account as a distribution, not salary (no payroll tax).
4. Refinance early, pull tax-free cash
   Once the asset seasons 6–12 mo, reappraise or re-underwrite the higher cash flow; refi at 70–75 % LTV, pay off the original higher-rate note, and drop the surplus loan proceeds straight into personal index funds or the next deal—no capital-gain event.
5. Sweep the spread automatically
   Open a sweep account tied to the business operating account: every Friday night anything above one month of OpEx is auto-transferred to your personal brokerage.
   The loan created the extra cash; automation keeps you from spending it on toys.

Do these five in order and every loan dollar becomes a mini-employee that works twice—once inside the business, once inside your net-worth column.