A firm has found itself having cashflow problems. It pays its suppliers on terms of 1/10 net 35. In the past, it has always taken the cash discount. However, it finds itself in a situation where it cannot come up with the cash needed to pay within 20 days for purchases. In 60 days, it will have the necessary cash. If it chooses to borrow money to pay for purchases it would be forced to go to a finance company specializing in high-risk loans. It would be forced to pay a rate of 3 percent per month (36 percent APR) on the loan. What should the firm do?