They usually can't get any more credit either. I've had everybody from small local restaurants to large national chains bounce checks. It's not uncommon for food and alcohol distributors to require that some accounts pay in advance with certified checks for this reason.

They have to borrow to open, and costs are always higher than expected. This causes them to cut things from their budget, like websites. They can't get more credit later because the business isn't putting up the numbers and they are already having difficulty paying all their bills. A banker will hand you an umbrella when it's sunny, and take it away as soon as it starts raining.