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As far as I know this is the best way of implementing free plans using Stripe, I would just probably make sure that customers weren't sent any invoices unless it was required. One step you can take right now to make sure your business thrives is to keep a good handle in your finances.

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In the meantime, take other steps to bolster your business credit, like opening a business checking account and establishing trade credit with stores you patronize for office or business supplies.

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If you are signing a personal guarantee, then you must pay back the debt if your business closes.