What if such a business sells jewelry, furniture, or cars?
Unless they are asking for credit/loan, how would the business know?
If they are asking to pay in installments or in full by a certain date, I would expect the business to run a credit check, that could affect approval or different terms.
What kind of business? That is an extremely broad brushstroke question. I also have a couple decades in rent to own…so I may very well hold the answer to your question, but I don’t want to glaze everyone over with a general “well yes, no, but…” answer.