Which of the following is NOT a reason to extend credit to customers you are trying to sell to?

Selling on credit was a long-established industry practice before you entered the market and it is expected.

You are selling an intangible asset with fat margins and customer's struggle to find financing and if the customer doesn't pay, you have not lost much. You feel like you can sell more product by accommodating customers and you have a high level of knowledge about the industry you sell into and you can make informed decision quicker than a generic bank.

It is the end of the quarter, and all of the sales people are trying to hit their quota but you don't have anybody available to check credit or do financial reviews of new customers. You are selling a low margin product with a high amount of C.O.G.S.