Sure, if you trade goods (and keep inventories low), then you can use short-term loans (incl. credit cards) to finance purchase of inventory until re-sale. How

Sure, if you trade goods (and keep inventories low), then you can use short-term loans (incl. credit cards) to finance purchase of inventory until re-sale. However, if you're building a business predicated on service delivery, the cycle is quite different and lead time is likely to exceed the "free month" with a credit card. Business loans make more sense.