Many Americans don’t think twice when they use their credit cards for purchasing various items. Credit cards are nothing other than personal lines of credit that enable these individuals to access additional cash for meeting various personal or household-related needs. Similarly, when business owners require additional funds for meeting various short-term capital needs, they will often require start-up business credit. Business lines of credit are nothing other than revolving credit lines. They enable small and midsize business owners to meet their short-term capital requirements.