Lara GuevaraSupply Chain expert (Product and Service)

Cash Tight From a Cost Increase? Don't Go Get a Loan Yet

19 Aug 2026 · 1 min

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0:44

Lara Guevara explains why negotiating supplier payment terms is cheaper than taking a loan when cash gets tight. Ask for net-30 or net-60 after you've proven reliability, or restructure deposits and balances. One conversation beats years of interest payments.

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When cash gets tight from a cost increase, the instinct is to go find financing. A credit line, a cash advance, something. Here's the myth: that financing is your only option. It isn't. The cheapest capital you have access to is usually sitting in a supplier relationship you already have, in payment terms you've never asked 30 instead of deposit plus balance. Net 60 if you've been a reliable couple of years. That conversation cost you 1 spin. The loan costs you interest for 3 years. Full breakdown on Thursday.

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