[wavemode]

There are ways to go into debt without dealing with banks. Any time you use something and are charged afterwards, it's a debt (which you could fail to pay by being broke by the time the invoice arrives). Common example - rent/lease. Or gas/electricity.

[plagiarist]

For a new business with $0 the individual running it will be the guarantor on those.

[nradov]

Those vendors can always require payment in advance, or a guarantor.