Like i said its usually based on the size of the company. If consumers want the product enough Wal-mart will cave for smaller manufacturers to sell their products. It doesnt make sense to have Net 90 or even Net 60 payment terms for a small company, it would run them out of business in a week. Some of the companies i do business with, the threshold for me is if they are financially sound even at the their level and id be willing to the give them Net 10 or Net 15 to keep them operational.