Is the "installments" system, whereby companies pay the price difference after two months, after the buyer has paid the original price, considered usury or is there a suspicion of usury in it?

The amount exceeding the price of the commodity that remains with the company for two months is considered a loan, where the lender is the buyer and the borrower is the company. This loan has brought a benefit to the buyer (a cheaper price for the commodity), and the Messenger of Allah, peace and blessings be upon him, forbade any loan that draws a benefit.