It’s a growing small business dilemma: Do you need to offer your customers credit? If you sell to consumers, you can offer lay-away plans and other simple ways patrons can pay for their purchases before they receive them. You’re not expected to offer credit other than processing standard credit cards. The situation is more complex when you’re selling to businesses since standard business-to-business credit terms are Net 30, meaning the balance is due by the customer 30 days after the date on the invoice.
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