Another frequently used technique to avoid or postpone payment is where the buyer claims that they lost a major customer and thus cannot afford to pay.

为了不付款或者晚付款，买方经常使用的另一个伎俩是宣称自己失去了一位主要客户，因此无钱可付。

youdao

That would be like a quarter of 1% to postpone your payment by another year; so time was really cheap.

也就是说只需要付1%的1/4就能,延迟一年还款,时间的价值很低

耶鲁公开课 - 金融市场课程节选