The weekly receipts and the payments in full were kept in a local bank, which also expected future business and was therefore likely to be liberal when credit was demanded.

Often the officers and directors of the bank were also personally interested in the new enterprise.

The machinery manufacturers gave long credit and often took stock in the mill.

Commission houses which sold yarns and cloth also took stock with the expectation of controlling the marketing of the product.
Many mills built on this plan were so profitable that they were able to pay for a considerable part of the machinery from the profits long before the last instalment was paid, and some even paid a dividend or two in addition.

Such mills started operations with many things in their favor.