There are only two passages that reference the word "lender":
Isaiah 24:2 "And it shall be, as with the people, so with the priest; as with the servant, so with his master; as with the maid, so with her mistress; as with the buyer, so with the seller; as with the lender, so with the borrower; as with the taker of usury, so with the giver of usury to him."
If you read the context of the passage, God is explaining His judgment for sin in this life. A broad gamut of persons are so named. Persons of all ranks and conditions shall share in these calamities.
Proverbs 22:7 "The rich ruleth over the poor, and the borrower is servant to the lender. "
This verse does explain the order of things; an order that exists in this world. From the passage, it is plain to see that borrowers will be servants to the lender. I do not have a problem with that order. God commands us to obey those who have the rule over us. If you borrow, you are subject to the rules set forth by the lender.
There are only a few verses of Scripture that reference the word "borrow." Only one has a definitive instruction:
Exodus 22:14 "And if a man borrow ought of his neighbour, and it be hurt, or die, the owner thereof being not with it, he shall surely make it good."
If you borrow, just "make it good"; pay your debt on time as instructed by the lender.
Churches have building funds, but I have yet to visit any church that wrote a check to cover the cost of a new building. Does the work of God stop because a church needs to borrow money for a new building; a building that will be used to further the Gospel of Jesus Christ?
We are simply to be diligent with all that the Lord has given to us. If your business is being blessed of God, you have prayed regarding an expansion or upgrade for your business and you have the Peace of God regarding the matter, you are not forbidden to borrow.
Proverbs 22:29 "Seest thou a man diligent in his business? he shall stand before kings; he shall not stand before mean men."
Proverbs 27:23 "Be thou diligent to know the state of thy flocks, and look well to thy herds."
Proverbs 13:3 "The soul of the sluggard desireth, and hath nothing: but the soul of the diligent shall be made fat."
Using God-given discernment is the key.
Practical advice would be:
It should always be our endeavour to limit our amount of debt.
Some sell their liberty to gratify their luxury.
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