"if your employer needs credit to do business"

Once upon a time, small businesses did not 'need' credit - but everybody USUALLY had '30 days to pay', which nobody really considered 'credit'.

If a business 'needs' credit to pay wages, then it is really running 'close to the bone' - which is what has happened to all business - all keen to 'work their money harder' - look what happens to farm land with that brilliant idea....