High-ability managers at U.S. companies influence trade credit policies. Companies with skilled managers offer better trade credit terms to partners, like shorter payment times and longer credit periods. This shows that manager ability affects how companies manage their finances and relationships with other businesses. The study supports the idea that managers with more skills have more power in negotiations. The results are strong even after considering other factors that could influence the findings. This research highlights the importance of having capable managers in managing company finances and relationships with suppliers and customers.