@kasuito actually im with inverse on this. Your question/answer is rather confusing and long, but I will take a wild guess.
If PG is out of the question, then you will have to resort to building your business credit rather slowly by initially counting on the vendors you are already with.
PG is actually not that bad and if you have a good personal credit, getting business credit in visa/mastercard/amex form is really not that difficult, even if your business is new.
Most banks will not grant you visa/mastercard credit without PG unless you have a great relationship with your local bank or if you can prove them you have enough collateral or business income to give them leverage.