What is the ruling on the two options presented for financing a commercial project, do their rulings differ Islamically, and which of them is the correct legitimate method?

First Option: 1. The merchant buys the goods and then sells them to the buyer for a deferred price higher than their original cash price, on condition that the goods are delivered to the buyer and he is enabled to dispose of them. It is permissible for the goods to remain with the seller as a deposit. However, if their retention is stipulated by him, then they are a pledge for their price. This is permissible according to the Hanbalis and the Islamic Fiqh Academy. 2. The seller buys the goods in agreement with the buyer, and increases the price in exchange for the deferment. This is not permissible because it is a loan that draws a benefit, which is a form of Riba (usury/interest).

Second Option: The buyer directly purchases the goods from their owner. The ruling for this is the same as the first scenario of the first option.