Yeah, it's more about how easy it is to get the credit. Applying for a business credit line tends to be a relatively formal process and often requires a person

Yeah, it's more about how easy it is to get the credit. Applying for a business credit line tends to be a relatively formal process and often requires a personal guarantee anyway so there's often no liability advantage for a business credit line, at least if you actually need one. In fact it may be worse if you eventually fail and you happen to be less broke than your partners since likely you'll have jointly taken on the guarantee. I think you could keep your interest costs down by playing the 0% balance transfer game and pay only transfer fees.