If your selling a product that can not be reprocessed then you had better not be giving credit on that product. Hay gets turned to manure pretty quickly. Providing a service that has more than your time in it needs to be COD.
I have sold equipment with terms but I always got a good sized down payment. I have done shop work where I carried the labor expense but made the customer pay for all the parts before any work was done. I NEVER give credit on hay or feed. It always has been COD.
I figure the business you lose by not providing credit is not worth having anyway. You can not be the low price seller/service provider and provide credit too.
I have a very good friend that runs a used car lot. He does a lot of the buy here pay here sales. On those cars he gets 20-30% more for the car on top of charging 12-18% interest on the amount financed. He has to work at collection but he is getting PAID for the hassle.
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Today's Featured Article - Show Coverage: The Old Gold National Antique Tractor Show - by Cindy Ladage. Over the fourth of July weekend, the Illinois State Fairgrounds in Springfield, Illinois, was the site of the Old Gold National Antique Tractor Show. Tractors of all makes and models were displayed and separted into categories by their age. Deere, Oliver and even a Wards and Keck Gonerman were part of the crowd. A sea of red International Harvester's seemed to be the the model with the biggest showing. The crowd was decent for the scorching July heat. The opening day started o
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