In modern-day business transactions, trade credit is having a greater importance in the payment process. In this study, we focused on a supply chain model that evaluates, over a finite planning horizon, the trade credit policy between the two important players:the supplier and the retailer. We specifically created a mathematical model for commodities that depreciate exponentially and used Mathematica version 12.0 to find a solution in later part.We give a numerical instance to illustrate how to establish the optimum replenishment schedule for our finite planning horizon model. It is observed that the total profit function is convex and its optimality is depicted.Our analysis presents managerial guidelines.