In this paper, an EPQ-based inventory policy for an item is presented with stock-dependent demand during two trade credit periods. In addition, there is a provision for 1) an immediate part payment to the wholesaler, 2) borrowing some money from money lending source for the immediate part payment, 3) here supplier or wholesaler offers a trade credit period to his retailer and retailer also offers a trade credit period to his customer. Against the above conjectures inventory model has been formulated with respect to the retailer’s point of view for minimizing the total inventory cost. The non-linear optimization method-Generalized Reduced Gradient (GRG) method is used to find the optimal solutions. Lastly Numerical examples are set to illustrate this model. Finally we use LINGO software to solve this model.