Scads of experience in North America and in China. Especially in change. Startups, new products, new projects, new cultural mixes. Yes, crashes and lots of limping wounded.
The basic success pattern for a person, group, or org seeking change is the (social) entrepreneur or agile pattern. It adapts as it meets reality in a solutions focus manner.
Some time ago, I did need to buy a car for my corporation but I did not earn enough cash and could not purchase something. Thank heaven my comrade proposed to try to get the credit loans from banks. Hence, I did so and was happy with my term loan.