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I imagine there’s reasonably priced financial products like business lines of credit, especially if you’re demonstrating a revenue stream and your only issue is cash flow. Ie. You’re not borrowing money for big capex things like renovating a restaurant. Of course nothing is guaranteed. That second batch of coffee may not sell.

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For a long time, those have been nearly free and easy to get. The temptation then is to continue doing more and more marginal business models, because they work and the competition does the same.

Those are getting harder to find and more expensive. Lack of those at the right time is what causes the liquidity traps the Fed is always talking about, when it happens at large scale.

Little risk of that happening now it seems, and a lot more ‘reaping’ of marginal business is likely before the Fed changes direction.

>I imagine there’s reasonably priced financial products like business lines of credit

So much so that there's names for various ways of cutting up the receivables risk. For example:

https://www.investopedia.com/terms/f/factor.asp

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