In late December of last year, my bull supplier sold me 35 bulls for $1200 each, to be delivered May 1st. I wrote him out a check for $200 per bull at the time of purchase, and considered it "feed" for tax purposes. Just after January 1st, I wrote out another check for $400 per bull, and the two payments totaled half the value of the bulls. At the time of delivery, I paid the second half. This system works good for both of us.
If I was a seedstock supplier, I would want and expect full payment at the time the livestock actually left my ranch. A down payment could hold the cattle until they were delivered. As far as I'm concerned, banks are in business to loan money. I'm not. Several years ago, I sold cows on a five year plan, 20% down, and 20% each year plus interest. The nice guy reputable rancher that bought them has since had financial woes, and it is taking me much longer than the original deal to get the money. I'm not "out of the woods" yet, but think it will work out. It has been an eye-opening learning experience, and one I'd not care to repeat.
If I ran a Main Street business, I would sell merchandise as cheap as possible but operate more or less on a cash and carry basis. This easy money, easy credit stuff just gets a lot of well-meaning people in trouble.