https://docs.bluethumb.com.au/for-artists/payment-plans-layby/how-does-layby-payment-options-affect-artist-payments
An ideal situation for SplitIt
ArtMoney - 10% up front vendor payment - 2% on credit card repayments - credit check application.
Up to $50000
Afterpay/Zip - usual fees plus 5% up front extra.
Higher value articles.
Vendors would be more approachable over extended payment periods!!