The Wealth Strategy That Lets You Borrow from Yourself Instead of Banks
by Brad Bidner
3 min read
For most people, borrowing money means dealing with banks, credit checks, and high-interest rates. Every loan, whether it’s for a car, a business, or an emergency, means giving up control and paying thousands in interest to a financial institution.
But what if you could borrow from yourself instead - while still growing your money at the same time?
This isn’t a loophole or some complex investment scheme. It’s a proven wealth-building strategy that’s been used by the wealthy for generations and now, self-employed professionals, business owners, and high-income earners are using it to take back control of their finances.
Let’s break it down.
1. The Problem: Why Borrowing from Banks Keeps You Stuck
Traditional loans work against you not for you:
You need approval – Banks decide if you qualify for a loan, based on their rules.
You pay high interest – Every loan comes with interest, making banks rich while you struggle to pay it back.
You take on risk – Miss a payment? Your credit score drops, and you could even lose your collateral (car, home, business assets).
The worst part? Banks use your own money to lend back to you at high interest. The deposits in your bank account aren’t just sitting there - they’re being loaned out to others, while you get paid next to nothing in interest.
2. The Solution: Becoming Your Own Bank
The Capital Control System allows you to take control of your money and borrow from yourself instead of relying on banks.
Here’s how it works:
✔️ Your money grows tax-free inside a private financial system.
✔️ You can borrow against it whenever you need it - no approvals, no credit checks.
✔️ Your money keeps growing even while you borrow against it.
✔️ You pay yourself back instead of a bank, keeping the interest within your own system.
This is how the wealthy fund major purchases, business investments, and even their retirement without ever relying on a bank loan.
3. How Borrowing from Yourself Works in Real Life
Let’s say you need $50,000 to expand your business or make a big investment.
Option 1: Get a Traditional Bank Loan
Apply and wait for approval
Provide financial documents & credit history
Pay 7–15% interest to the bank
Risk losing assets if you default
Option 2: Borrow from Yourself Using the Capital Control System
No approval needed – You decide when to access your money.
No credit check – Your financial history doesn’t matter.
Your money keeps growing – Even while you borrow against it.
You control the repayment – No fixed schedules, no penalties.
It’s a smarter, safer, and more profitable way to access your own money without giving banks control over your finances.
4. Who Benefits the Most from This Strategy?
🔹 Self-Employed Professionals (Tattoo Artists, Barbers, Creators, Performers)
✅ No more slow-month stress – Access your cash when you need it.
✅ Stop relying on high-interest credit cards – Borrow from yourself instead.
✅ Keep growing your money – Even when you use it.
🔹 Business Owners (Tattoo Shops, Barbershops, Entrepreneurs)
✅ Finance business growth without a bank loan – Expand on your terms.
✅ No more cash flow issues – Always have access to capital.
✅ Save thousands in loan interest – Pay yourself back instead.
🔹 High-Income Earners & Incorporated Professionals (CIRP Strategy)
✅ Use corporate funds tax-free – Borrow without CRA penalties.
✅ Wealth preservation & financial security – Keep your money growing.
✅ Create a self-funded retirement plan – Instead of relying on government programs.
5. How to Get Started with the Capital Control System
Using this system to borrow from yourself and grow your money tax-free is simple:
Step 1: Redirect Your Savings into a Wealth System You Control
Instead of keeping your savings in a bank or an RRSP, store it inside a properly structured high cash value participating whole life insurance policy.
Step 2: Borrow Against Your Own Money - Without Interrupting Growth
Once your money is in the system, you can access it anytime by borrowing against it - while it continues to compound and grow.
Step 3: Pay Yourself Back & Keep the Interest
Instead of making monthly payments to a bank, you repay yourself on your own terms - so your wealth continues building.
6. Why This Strategy Works (And Why Banks Don’t Want You to Know About It)
Banks use this exact same strategy to make money off their customers:
They take your deposits, lend them out at high interest, and keep the profits.
They charge you to access credit even though they’re using your money to fund it.
The difference? With the Capital Control System, YOU become the bank.
✔️ Tax-Free Growth.
✔️ No Credit Checks or Loan Approvals.
✔️ Full Control Over Your Wealth.
The Bottom Line: Keep More of Your Money & Take Back Control
If you’re tired of asking banks for permission to use your own money, the Capital Control System is your way out.