Now it is 2 months away from 2020. You can sit down and count quietly. How many products have you sold so far? How much have you earned in total? money? Looking at your bank card balance, do you feel cold? Is it cold? What are you waiting for, hurry up and ask for the account. In fact, I don’t need to say that everyone may have already taken action.
The annual credit sales drama has begun again!
When the textile boss said he had no money, many people didn’t believe it. They thought your business had such a huge turnover, how could you not make any money? In fact, in real life, many bosses are often the poorest people. They keep taking on debts and increasing their assets. The cash they really have is always tight and tight. If the amount of the IOU exceeds the profit, it means that you are using your own money to do good things. If you encounter a few large bad debts that will not be paid back, let alone making money, you may even lose money! If you sell on credit, it will only be paid year by year. Why do you still sell on credit when you are losing money?
1. Customer A: Boss, take two pieces of cloth. Oops, I forgot to bring the money. Let’s record it in the account! Boss: Sorry, our store does not accept credit this year. We are a small business and cannot afford credit. Customer A: It’s not like I didn’t give you the money. Didn’t I forget to bring it? I’ll deliver it to you tomorrow! Boss: Many people said this, but…Customer A: How many things have I bought from you? Did I pay the debt? I’ll ask someone to bring it to you later! Boss: All the accounting books have been burned, we really can’t get credit! Customer A: Forget it, no more. The customer left angrily, and the boss smiled bitterly! 2. Customer B: Boss, I want two pieces of cloth. Please give them to me! Boss: Okay, please pay first? Customer B: Pay? Didn’t we all sell on credit in the past? Boss: No credit this year, you have to pay first. Customer B: Lao Wang’s family next door dares to give credit, why don’t you dare to take credit? Is the product being sold defective? Boss: If it’s defective, I’ll give you 10,000 yuan per horse! Customer B: You really don’t want credit? If you don’t want credit, I’ll go find Lao Wang next door? The boss refused, and the customer went to the next store without hesitation.
3. Customer C: Brother, take one thousand meters of cloth! Boss: 2,000 yuan. Customer C: As usual, keep accounts! Boss: I’m sorry, I won’t keep accounts this year. I have no money. Customer C: We are all my own, and we are related to each other. If you don’t trust others, will I still cheat you? Boss: I believe you, but I really can’t get credit…Customer C: It’s only two thousand yuan. I don’t have any money. When the customer pays, it will be delivered naturally. Go and call your mother. I You have to reason with your mother, we are still relatives! The boss looked confused… 4. Customer E: Do you want to sell on credit? Boss: No credit! Customer E: Are you really not selling on credit? Boss: We really don’t take credit! Customer E: Don’t you know? I just bought a house and a car in the city this year, and I’m planning to marry my son a wife. I get credit every year, but this year I won’t get credit if I say no. It doesn’t make sense. Aren’t you driving away customers? Boss: Credit is really not allowed in business now! Customer E: I have received more than one million meters of orders, but they are all waiting to get the fabric. Are you really not going to do this business? There has been no business for several days, and the boss is moved… Then why are the textile bosses always short of money? They also have troubles that they can’t tell…
Nowadays, almost all raw material manufacturers deliver goods on payment. Not only will the textile owners not be given a penny of debt, they will also be pressed for payment and rebates. Many bosses have serious debts in the market. For those with slightly larger sales, the debts in the market can reach hundreds of thousands or even millions.
Do you know? You may give credit in good faith, but it will push others into trouble…
Credit sales are based on credit. Only when everyone trusts each other can cooperation be happy. Without credit, it is like a tree without roots and cannot survive. long. There are always people who are nice to talk to when they want goods, and when they want money, they have various reasons: buying a house, buying a car, their wife is pregnant, their child is one month old, in short, they are short of money.
Why can’t you do business on credit? Because after selling products on credit, there are 6 ways to die. Let’s take a look!
1. Quarrel to death
When you are rushing to collect bills every day, various family expenses have to be paid, and when the family is in financial difficulty, people’s tempers will be very hot. As a result, there will often be sparks between husband and wife, and they may quarrel over all kinds of trivial matters, so because of the credit issue, they will be quarreled to death! 2. Debunking is annoying
When families are constantly quarreling, the next step is that the material dealer will come to demand payment, because to open a store and do business, you have to pay various costs, such as labor, rent, water and electricity bills, etc. All bosses have to work on capital turnover, and because customer accounts have not been collected for a long time, they may default on payments to suppliers, or if there is really no way out, they may even resort to loan sharking in order to solve the problem of capital turnover. Therefore, loan sharks, etc., will come to your door and make phone calls one after another, urging you to settle the payment, so you will be annoyed by various reminders!
3. Employees scold you
Now that employee wages are increasing, the cost is not low. If the company’s capital chain is broken, the boss will stick with the company, but the employees will not care about you so much. If you don’t have money to pay them wages, you will either have to file a lawsuit with the Labor Bureau or you will be scolded to death!
4. It’s exhausting to pay bills
Too many cases tell us that often when selling goods on credit, it is difficult to get the money back! Because today the customer wants to buy a car, tomorrow he wants money to buy a house, and next time he wants money to go to school for his children, there are always various reasons why he wants to give him money next time. The money for this purchase is delayed…��Put it off until you lose your temper! You originally did a good deed and made it convenient for the customer, but in the end the customer still said you, why can’t you be reasonable? So in the days to come, I am either on the way to collect the debt, or I am already on the way to collect the debt, and I will be exhausted!
5. Scared to death when sleeping
And when a textile boss is in dire straits because of financial and debt problems, he will not be peaceful when sleeping! Although you are under a lot of pressure during the day, you may be busy with other things and temporarily forget about the debt. When you sleep, all kinds of images of the serious consequences of debt problems will explode in your head. .
I once met a plastic boss who usually drives a Porsche costing more than 2 million yuan, but I heard him secretly say that the bank debt he borrowed was more than 100 million yuan, and the bank interest was more than 300,000 yuan every month. What do you think? Can you still sleep? Doing a big business will bring a lot of pressure, so when you sleep, your dreams will scare you to death! 6. Jumping off a building and falling to death
After experiencing the above five scenarios, many people cannot collect the money they owe, and after borrowing loan sharks to plug the capital loopholes, they have to find money to repay the loan sharks later. What was originally a profitable business ended up being a loss-making business because of credit, and the hole got bigger and bigger. When the hole couldn’t be plugged, it was when it collapsed, and many bosses chose to jump off the building. Because I fell because of the business upstairs, so I have to die here! Therefore, before selling on credit, you should first think clearly about the following questions: When you first choose to sell on credit, it is to build a good relationship with customers, but every time you place an order on credit, it is better not to be in debt. Once you start to collect, you will be charged again and again. I came to ask for debts and urged and reminded again and again. I turned from a friend to an enemy, but offended many people. If selling on credit is only a short-term happiness, why do you still want to sell on credit?
You don’t want to sell on credit, but you are worried that you will die if you don’t sell on credit. Got faster. Because it is said that it is impossible to refuse credit sales, who told you to spoil your customers? You don’t see them selling on credit when you buy clothes? You don’t see them selling on credit when you buy daily necessities? Why do you have to buy products on credit? It’s not that customers don’t have money to buy, they just lack a reason to give cash. If you can’t make more money by selling on credit, why do you still sell on credit?
It is said that selling on credit can bring more customers, but is this true? After a customer makes a credit sale for the first time and fails to repay the loan within the agreed time, he will be in trouble because he owes money. He will probably walk around you every time he sees you. The better the relationship, the more obvious it will be. In the end, I would rather take cash to ask for goods from other stores than come to you to get them. Wouldn’t that be giving away customers to others in vain?
Do textile people have this experience: last year, when product prices were good, it was relatively easy to collect payments, and many even took the initiative to come to the door to repay. However, in years when the market was not good, customers tried to shirk in every possible way, and collection became difficult. Extremely difficult.
Selling on credit is equivalent to forcibly binding your own profits with the interests of your customers. You can be responsible for the quality of the product, but can you be responsible for the market price trend that year?
Since selling on credit is risky and may not necessarily make you money, why choose selling on credit!
Therefore, it is important to make up your mind. If a textile boss wants to get rid of credit sales, he must first change his thinking. The textile business can still be run successfully without credit, and users are not averse to paying cash to buy products, but when selling on credit becomes a habit, even if they have money, they are reluctant to cash out. Spending money to buy things is a natural thing. If credit sales are eliminated, customers will not have so many complaints when buying products!
Textile people, be brave and say no to credit sales!
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