[mirimir]

> If you have suppliers or vendors, you can request credit lines from them.

Right. One of the major hardware firms sold me ~$30K of gear. As I recall, it was five years at 0% interest.

[akrai]

Wow, that sounds like a great deal! Was there any time when you felt the need for credit and it was not available from suppliers/vendors?

[mirimir]

I'd be lying if I said "no". My clients were all plaintiffs' firms, and sometimes paying me wasn't a top priority. But after a while, I learned the best times to invoice. Such as, not within a month before the end of a quarter.

Edit: That being when partners got their distributions.

[akrai]

Do you think you would benefit from having a low fee/interest line of credit available where you could get funds if necessary when clients don’t pay/pay late?

[mirimir]

Mainly, it just cut interest expense, by reducing credit card usage. But interest is deductible, so it wasn't a huge thing.