Agree with you here. Can't keep eggs in one basket. Commercials will jump ship for 10 bucks. Some companies its a policy to go with low bidder regardless if you did a great job last contract. I keep 90 days cash on hand. That means if cash flow stopped today I could cover operating expenses for 90 days. Think of it as corporate rainy day account and any company with employess needs that kind of safety cushion. Now you need to deal aggressively with slowpays. I found prepay to be most effective. Late fees and other threats don't mean much to those people. Its simple, no pay no service. Send out a blanket letter outlining new terms. Send it to your problem people. If they bail they saved you the prob of dumping them with a balance owed. If you need to trim payroll after the dust settles than so be it. It sounds like the OP is hand to mouth himself and may need to look in the mirror for savings.