Why do stores have to borrow to stock their shelves?

by YoTuT
Question by AmigaJoe: Why do stores have to borrow to stock their shelves?
I guess I'm naive, but I remember being very surprised upon hearing how the credit crunch affected retailers, who were having a hard time getting loans to buy merchandise. I guess I always thought it worked like this: You buy an item for $ 5, sell it for $ 10. $ 5 goes to buy a replacement item, the other half is profit. Simple. Obviously it's not like that. But if you ~borrow~ $ 5 to buy your item, and

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