They deny credit - for dough or bread perhaps (4,5)

I believe the answer is:

cash terms

I'm a little stuck... Click here to teach me more about this clue!

'they deny credit for dough' is the definition.
I don't know anything about this answer so I can't judge whether it can be defined by this definition.

'bread perhaps' is the wordplay.
'bread' becomes 'cash' (I've seen this before).
'perhaps' becomes 'terms' (I can't justify this - if you can you should believe this answer much more).
'cash'+'terms'='CASH TERMS'

'or' acts as a link.

Can you help me to learn more?

I've seen this clue in The Globe and Mail.

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