Another thing to think about. My business plan cannot support free delivery. One thing to consider is that one day you may not be the delivery person and you cannot afford to pay another person to deliver for free.
Also, when you consider the commercial insurance (yes, if you are in an accident in the course of doing business, your insurance company does not have to pay if you have not been truthful), gas, wear and tear, and time, this cannot be supported with your pricing structure. I am debt free and I can't do it. That is money straight out of my profit.
In a business that is based on delivery, the only way to do this profitably is to do multiple deliveries while you are out in the same area. We also personally go to my delivery area for shopping, restaurants, supplies, and my daughter's job and school, plus her school sports. So my delivery prices were calculated knowing we were going anyway. But I still make money. With your vast delivery area, this will be virtually impossible. My business does have some outlying delivery areas, but I don't advertise them much and it is mainly research to see if the new area is viable. So far, I have only done weddings and parties in my outlying area (Winchester, VA). The rest of my delivery area is in a neat circle.
If I open my retail store, the outlying areas will be eliminated.
In my experience, I have found the corporate payments to be easy. In every situation, I have gotten prepayment with a credit card. I haven't had to register as a supplier. But this is just my experience. I have schools, hospitals, doctors, retail, and large national offices as accounts.