CreditCredit is a huge part of “cash flow”. Painting is in demand, and will continue to be. You may still be experiencing a high production period, but the payments from customers could be a little slower to come.Credit cards (especially if you can get a sign on bonus with 0% APR for a time- look for these first!) are the perfect tool for covering operational and overhead expenses while you wait for checks to come in the mail.To Apply You Need: EIN, SSNs of Applicants (Business Shareholders), Income Estimates, and a good credit score Lines of CreditLines of Credit are preferred for a couple of other reasons- they can be used for expenses, like payroll (which credit cards can’t cover) and they’re a step up from loans in that you only pay interest for what you use. To Apply You Need: EIN, SSNs of Applicants (Business Shareholders), Good Credit Score, Business Financial Reports (PNLs and Balance Sheet), Tax Returns (Prior 2 Years Likely). A record of your Accounts Receivable and current work under contract will also help.