> 5. When you need money, banks will ignore you. When you have too much of it, you get flooded with additional offers for cheap credit. Plan accordingly, so you need to borrow long before you start the project and borrow enough to get you over the cash flow shortage. If you wait until you actually need the money, terms will be horrible.

I've noticed this mechanism, but how do you go about it strategically? Which exercises or workflows can you use to determine how much to borrow and when?