When I buy with cash, life is simple. I pay, carry my goods, and my profit is clear. No pressure, no follow-up calls, no mental calculations at night. Cash buying also gives me stronger bargaining power. Suppliers are more flexible with price when you’re paying immediately, especially here in the trading lines where everyone knows cash talks.

But the truth is, not every time I have enough cash to restock fully. That’s where supplier credit comes in. Some suppliers allow you to take goods and pay later, especially if you’ve built trust over time. It helps me keep my shop stocked even when sales have been slow. Instead of losing customers because my shelves are empty, I stay in business.

The problem with supplier credit is pressure. Once sales slow down, repayment becomes stressful. And here in Iyana Woro, word spreads fast. If you delay too much, suppliers may stop giving you goods or tighten terms. It can affect your reputation in the line.

Cash buying gives peace of mind and better profit margin. Supplier credit gives flexibility but comes with responsibility. From my experience here, the best balance is this: use credit only when it will clearly turn over fast. If the goods won’t move quickly, cash is safer.

Around Iyana Woro, survival in trading isn’t just about selling  it’s about knowing when to owe and when to pay upfront.