Can your customers still get credit?
Can your customers still get credit to buy from you?
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Look before you leap...
Even in good times, it can be very problematic for small VARs to get into the "banking" business by extending credit to clients.Make sure you get a completed credit application AND check the references.
Also be sure to get a substantial-sized deposit up-front.
And one commonly overlooked solution... you don't have to offer the same terms on high-profit services as you do on low-profit/no-profit product reselling.
Having a merchant account, so you can accept credit cards, does wonders to solve many of these problems.
The nearsighted call credit card fees a loss of 2-3%. The smart VARs call it a gain of 97-98%... 30-60 days sooner!