I feel I should jump in here because I write on business credit for my current job.
When companies are first starting out, the owner(s) can try what's called trade credit. That's where they make an arrangement with a vendor to give them what are called Net 30 terms. It means they have 30 days to pay for something or other like maybe a printer or coffee supplies, without interest accruing until the 30 days are up.
Companies can do this not only to get better credit but also to work with their local suppliers and thereby improve the economy in the area. This helps them establish relationships, so the new company (maybe it's a health club) gets Net 30 terms from a local office goods company. Both companies do better with a deal like this, because the health club gets their paper and stuff on a regular basis and if they are buying it in bulk they might be getting a discount on top of 30 days to pay. The advantage for the office supply store is they have a regular, paying customer and might even have minimum guaranteed orders.
This is the way a lot of small businesses in America get their start. Once a small business is beyond the hobby stage, people often start to think about how to get a loan to expand, and having a good experience with trade credit means they can build a reputation in the community that shows they will pay back their debts on time.
I realize this wasn't exactly what you were looking for, but hey, the more I write about this stuff, the better I get (and I hope the information is of some interest).