I sat next to an entrepreneur on a flight who described one of the wildest financing strategies I’ve ever heard.

Instead of taking out a traditional business loan, she said she constantly moves debt between promotional credit card offers before the introductory rate expires.
Everything was tracked.
Application dates.
Promotional periods.
Transfer fees.
Backup lenders.
The spreadsheet looked more like an air traffic control system than a budget.
Her logic was simple:
“If a bank offers promotional financing, why pay double-digit interest as long as you can manage the deadlines?”
Whether you see that as brilliant financial engineering or taking on substantial refinancing risk probably depends on your tolerance for risk.
The strategy only works if approvals keep coming, credit terms don’t change, and every payment and deadline is managed perfectly.
One mistake could become very expensive.
What impressed me wasn’t the tactic itself.
It was the level of planning required to make something that complicated work for years.