krediidmüüki

Krediidimüük, also known as credit sales, is a commercial transaction where a seller allows a buyer to purchase goods or services on account, meaning the payment is deferred to a later date. This practice is common in both business-to-business (B2B) and business-to-consumer (B2C) transactions. For businesses, credit sales can be a powerful tool to increase sales volume by making products or services more accessible to customers who may not have immediate funds available. It can also foster stronger customer relationships by demonstrating trust and flexibility.

When a credit sale occurs, the seller extends credit to the buyer. This creates an accounts receivable for the seller, representing money owed to them by the buyer. The terms of the credit sale are typically outlined in an invoice, which specifies the amount due, the payment due date, and any applicable interest or late fees. Buyers benefit from credit sales as they can acquire necessary items or services without immediate cash outlay, allowing them to manage their cash flow more effectively or to take advantage of opportunities.

However, credit sales also carry risks for the seller. The primary risk is the possibility of non-payment or delayed payment by the buyer, which can impact the seller's cash flow and profitability. To mitigate these risks, sellers often conduct credit checks on potential buyers, set credit limits, and may require collateral or credit insurance. The management of accounts receivable is a crucial aspect of financial operations for businesses that offer credit sales. The effectiveness of credit sales strategies often depends on careful risk assessment and robust collection processes.