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    The death cycle in retailing is a series of events which, if not caught and corrected in time, will cause the financial demise of the store/business as surely as the sun rises in the East. The death cycle usually starts as a result of buying more merchandise than the Store can sell profitably. As a result of this overbuying there are invoices remaining unpaid, that must be paid before the supplier will deliver again. It is difficult to pick and chose which suppliers will be paid without the unpaid suppliers being aware they are being treated unequally, and my cause the "running stock" suppliers to stop deliveries as they see t
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    of the store/business as surely as the sun rises in the East. The death cycle usually starts as a result of buying more merchandise than the Store can sell profitably. As a result of this overbuying there are invoices remaining unpaid, that must be paid before the supplier will deliver again. It is difficult to pick and chose which suppliers will be paid without the unpaid suppliers being aware they are being treated unequally, and my cause the "running stock" suppliers to stop deliveries as they see
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    dise than the Store can sell profitably. As a result of this overbuying there are invoices remaining unpaid, that must be paid before the supplier will deliver again. It is difficult to pick and chose which suppliers will be paid without the unpaid suppliers being aware they are being treated unequally, and my cause the "running stock" suppliers to stop deliveries as they see
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    d before the supplier will deliver again. It is difficult to pick and chose which suppliers will be paid without the unpaid suppliers being aware they are being treated unequally, and my cause the "running stock" suppliers to stop deliveries as they see
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    pliers being aware they are being treated unequally, and my cause the "running stock" suppliers to stop deliveries as they see the business in a crisis. Cash payments on delivery becomes the norm with suppliers as the business no longer is viewed as having any "credit worthiness".

    This then causes the retailer to borrow money from a bank (if they can) to get current with their resources. At some level of borrowing, the bank will want a personal guarantee from the owner. At this point the business is no longer standing on its own two feet.

    If this cycle continues, the bank will eventually raise the interest rate since

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