Money cost money - as always and certainly now.
Our terms are dictated by the factory supplying.
Usually a 10% to 30% deposit is required with the order, with the balance paid three days before shipping - after our inspection of the goods.
Terms of 30 days from date of shipment can sometimes be achieved, but this is almost entirely based on the Purchaser being visible as a solidly quoted Company on their local Stock Market.
Credit insurance is very exceptionally an acceptable route.
Long term relationships and reliable payment dates can also open the credit door.