There is no need for this. Good financial controls can reduce debtor days and negate the need to use other facilities such as invoice factoring.
A new client of ours regularly reported 95 debtor days on invoices totalling £100,000. Within 8 months this was reduced to 50 days and after 12 months this was down to 31 days.
Don’t let the fear of finances stifle your business. Help is out there. You just need to know where to look.