Wholesaler View offline market

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I’m an Wholesaler. If want to expand my business, I need to provide credit to my retailers After giving the credit, it will take at least a 1 to 3 months time to recover the money. If retailers fail to sell the stock given on credit, then they return the stock and we need to accept them We need to pay salaries to executives and our amount gets struck within the retailers. If I want to expand my business without these losses. What is the solution?

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