Only if you don't account for it honestly.
Not sure what your trying to say - I am not even going to entertain criminal activities as that is a whole different subject. My assertion is based on an entity working within legitimate boundaries.
The point is that entering into a contract regardless of if the contract is pre or post paid gives any finance institution hard evidence of revenues expected/actual so that any application may be considered. This allows much more leeway than forecasting based upon predicted factors.
You are observent in that you do not get extra
CASH or
MONEY however you do get a financial picture allowing for more informed budgetary considerations allowing financing for larger investments over time and expunging the possibilites of expenditure outside of operating capabilities (thus averting insolvency).
Let us not get bogged down in the particulars - the point is that the pre-paid hours can work for both parties and as such should not be precluded due to bad management of a select few businesses. As I originally said before lodging any large sum with any organisation do your research beforehand.