Cash flow is the major priority for most merchants. You wouldn't get 0 rates anyway, and the majority would rather pay 2.9% instead of 2% + 3 month extra delay; especially growing businesses - for a stable business you can plan for $x being frozen; but with quick growth if you're getting 'old&small' revenue while having 'new&increased' expenses for the goods; you'd run out of cash in no time.

Don't compare the cost of money with a CD rate, but with the expected ROI for VC investors - you won't get cheap funding in the amount you need; intentionally shortening your runway by 3 full months will bite a noticeably hole right in your equity.