We're similar to the OP in that we don't run any debt (including being mortgage free), apart from credit cards which are 'zeroed' every month. Our business customers are almost entirely cash; as is usual for an online business nothing is dispatched until payment is received and our suppliers operate on the same basis. The exceptions are our courier for the business and our insurance company personally.
The odd time we have been in a situation where credit details were required we either opted out or cobbled together a credit 'history' by combining personal and business accounts that we have dealt with over the years.
There are still suppliers that will discount for cash. It's just a matter of pressuring them to do so.
The odd time we have been in a situation where credit details were required we either opted out or cobbled together a credit 'history' by combining personal and business accounts that we have dealt with over the years.
There are still suppliers that will discount for cash. It's just a matter of pressuring them to do so.