Had my own business now for 7 years. At no time have i had a line of credit or an overdraft. Only payments i have are for my truck.
I did approach the bank once for an overdraft and they laughed at me as i dont  ( and looks like i might never will) own property.
 As a result, i run a very tight ship and stay in the black at all times. Ive only just opened up an account with 1 supplier which i hate as i now get end of month bills along with all the others.
Times are lean right now and i cant see that changing for quite a few years if essentials like power keep rising and reducing peoples expendable cash.
Despite my running a tight ship, the cost of running this house is beginning to eat into my business profits, im having to draw more money each week to keep up. It cant go on... household bills and expenses have to be taken as personal income and so are seen as " profit" at the end of each financial year... so up goes my tax.. up goes child support.. etc etc.
Doesnt take a genius to realise that this equation means it will all self implode eventually