The essence of finance is time travel. In the future, your factory will make widgets and you will sell them profitably, so you can borrow money, today, to build the factory to make the widgets to sell to repay the money. If you go to a bank with an architect’s plans for the widget factory, and a business plan for making and selling the widgets, and a good track record of profitably manufacturing and selling widgets, the bank will be happy to lend you the money to build the factory. The bank has ...