The Best Loan for Business Equipment Isn’t From a Bank

15 Sept 2026 · 1 min

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1:08

In this short instructional video, Jayson Lowe argues that the most effective way to finance business equipment is through a policy loan from a participating, dividend‑paying whole life insurance company. He explains that a corporation can own such a policy, which begins building cash value immediately. The corporation can then borrow against this growing cash value without halting its accumulation, allowing the business to set its own repayment schedule and retain control. Lowe positions this approach as superior to traditional bank loans, emphasizing the uninterrupted growth of cash value and repayment flexibility. He directs viewers to a free training at learnwithjay.com for deeper details.

Chapters

What would I say is the best type of loan to use for business equipment? A policy loan from a life insurance company, ideally a reputable mutual life insurance company. Now, the only way to gain access to loans from a life insurance company is you have to be a participating dividend-paying whole life insurance policy owner. Your corporation can be a policy owner. The moment that your corporation does that, that policy begins to accumulate cash value immediately. The company can then borrow against that ever-increasing cash value without ever interrupting its growth on its own terms, meaning the corporation controls the repayment schedule. So the best type of loan, one from a life insurance company, because it puts you in a position of control over the repayment schedule and you don't interrupt any of the daily growth of your own Cash value. That is by far the best loan to utilize to purchase business equipment, hands down. I go deeper in a free training at learnwithjay.com, or just follow along and I'll keep it simple.