Agreed, investor funds will be needed. We have enough capital for initial integration, however need funds for trust account and to "float" transactions.

Stick with the standard Debit option available and choose not to opt into Credit if you prefer no debt.

Fact is debt is an important financial tool (when used properly) otherwise few people would own a house or car.

These days many rely on credit simply to get food & gas between pay checks. This would be a far better alternative than predatory lending institutions.