I think they also know that the cost of onboarding new providers for large corporations is high, so vendors tend to price enterprise higher than SB, since they know there is more reporting and more hoops to jump through.
Personally as a self employed consultant, I'd take the financing. Not so much for cash flow (though it is a consideration), but just my overall paranoia toward not getting paid and always valuing a bird in hand. But I've been burnt before.
