How To Fund Your Next Infinite Banking Policy With Someone Else’s Money

One of the biggest objections I hear when talking about Infinite Banking is, “I love the concept, but I don’t know where I’ll find the money to fund my policy.”

Here’s the thing—funding an Infinite Banking policy doesn’t always have to come from your own pocket. If you understand how money works and how to keep it in motion, you can fund your next policy with someone else’s money. Other People’s Money (O.P.M.).

This isn’t about taking on risky debt or borrowing irresponsibly. It’s about rethinking how you see money—one of the core principles R. Nelson Nash taught. He often reminded us that we have to rethink our thinking. The biggest barrier to financial success isn’t a lack of resources—it’s a lack of understanding.

Once you truly understand how money flows through your life, you’ll start seeing solutions everywhere. So, let’s break down three ways you can fund your next Infinite Banking policy using O.P.M.

1. Redirect Money You’re Already Paying to the Bank

Take a step back and look at where your money is going each month. If you have loans, car payments, or credit card debt, chances are a significant portion of your income is being sent to banks and lenders. And when you understand the simple truth that you finance everything you buy;

• Pay Interest
• Earn Interest
• Give Up Opportunity to Earn Interest (paying cash)

What if you could redirect some of that money back into your own banking system instead? Are you paying more the minimum payments on things, if so this is what we might categorize as a financial leak in your bucket. A strategy would be to stop paying more than the minimum and instead pay yourself that money.

By doing this, you’re recapturing the interest that would have gone to the bank and using it to grow your own financial system. That’s how you start funding a policy with money you were already spending—except now, you control the process.

2. Use a Business Line of Credit or Home Equity

Business owners and homeowners have a huge opportunity to leverage O.P.M. to fund Infinite Banking policies.

If you own a business, you likely have access to a business line of credit (LOC). Instead of letting that line of credit sit unused or only using it for short-term expenses, you can use it strategically to fund a policy, build cash value, and then pay yourself back using profits from your business.

For homeowners, the same concept applies with a Home Equity Line of Credit (HELOC). If you have equity in your home, you can access that capital at a low interest rate and funnel it into a properly structured policy.

Here’s how this plays out in real life:

• You pull $50,000 from your HELOC at 5% interest.
• You use that to fund a whole life policy.
• Your cash value grows and remains liquid, allowing you to use it when needed.
• You repay your HELOC over time, while your policy continues to grow tax-free.

This is a classic example of leverage—using O.P.M. to create long-term wealth, rather than keeping your equity locked up in your home or your business.

3. Partner With an Investor or Family Member

Another way to fund a policy is by partnering with someone who understands the power of Infinite Banking but doesn’t have the time or expertise to manage a policy themselves.

For example, let’s say you have a family member who wants to invest in something that provides safe, predictable growth but doesn’t want to deal with stock market volatility.

You could structure an agreement where they provide the initial premium to fund the policy, and in return, they get a percentage of the growth or access to the policy’s cash value under agreed-upon terms.

This works especially well for:

• Parents or grandparents looking for a safe way to pass on wealth.
• Business partners who want to build a cash reserve outside of traditional banking.
• Investors looking for a private wealth-building strategy.

The key is structuring the agreement in a way that benefits both parties while keeping control of the policy in your hands.

Rethink Your Thinking—The Solutions Are Already There

Nelson Nash always said that we have to rethink our thinking. When you start to truly understand how money works, you realize that the problem isn’t a lack of money—it’s how we’ve been taught to use it.

Most people believe they have to earn more money to fund a policy, but in reality, it’s about controlling and redirecting the money you already have.

• The banks are already using O.P.M.—why shouldn’t you?
• Your home equity is sitting there, unused—why not put it to work? We call this lazy money. *** word of caution here is you have to have discipline and really understand what you are doing.
• Investors are looking for safe, steady returns—why not offer them an opportunity to partner with you?

Once you shift your mindset, you’ll see that you already have access to the capital you need to fund your next policy. You just have to look at money differently.

The Bottom Line

Funding your next Infinite Banking policy doesn’t have to come solely from your paycheck. There are smarter ways to use money that’s already flowing through your life.

• Redirect the money you’re already giving to banks and lenders.
• Use leverage through business lines of credit or home equity.
• Partner with an investor or family member who sees the value in Infinite Banking.

The wealthiest people in the world don’t just work harder for money—they learn how to control money and put it to work for them. If you want to build wealth, you have to start thinking the same way.

So, how will you fund your next policy?

Disclaimer: We are not financial advisors, and this is not financial advice. This information is based on our conversations with thousands of Money Multiplier clients and their creative solutions for funding policies. Always consult with a professional before making financial decisions.