What does a SWAT team responding to a heavily-armed bank robbery have to do with raiding the offices of a well-known biotech startup in San Francisco over billing irregularities?
The problem is not that they have equipment, it's that they are incentivized to abuse the entire toolbox for every situation under the sun.
If you can find a single example where raiding a corporate office over financial reasons (or basically anything not involving weapons, violent crime, or a dangerous person) required anything beyond a holstered service weapon then I'll be convinced...
What about raiding a business selling counterfeit goods, like knock-off watches or pharmaceuticals? What about prostitution or sex trafficker rings? It's plausible that given the shady nature of the business, someone may do something stupid.
There are legitimate bases for debate about the details of those precautions, but “there was no problem for them to address” is not one of them.