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Edit: guess I immortalized that deleted post XD
For example, the trader at the stall in Rattay starts out at around 2k. After about 60 hrs of playtime in vanilla, he's now up to 10k
https://steamuserimages-a.akamaihd.net/ugc/928177176931085269/66A678183B2CDB3DB6F26C69AA41418B154174A1/
Just continue selling them everything and even if they don't have enough money to pay accept the "transaction".
So, the merchant's available money isn't necessarily what that merchant has in total...but what that merchant is willing to spend for YOU. It also can dramatically affect the prices. Don't go on your Rattay trading rounds with dirty/broken gear. I've seen about 20-25 point reputation swings just from whether various +Cha perks/buffs were activated, and between dirty/clean/laundered gear.