My wife and I run a small "grass cutting" business. We do not have any commercial clients and we do not do any hard-scape. We have been in business for 4 years and when we were small collecting money was easy. Last season our client list literally tripled, and we billed monthly. My wife would send the bill at the end of the month with a due date i.e. the 10th. The problem was by the time people paid late, and the checks bounced, they were already another 2 cuts in the hole to us. We spent alot of time chasing our money while we were trying to pay our bills and the help. Many times my wife would have to upfront payroll with her income. After talking to a few local guys who do not bill monthly, my wife refuses to bill monthly, and thinks that anyone who doesn't want to leave the payment on the door should pre-paid. I think we will lose clients, but she thinks it will weed out those who plan to stiff us in the end. My question is what does everyone else do? Bill, pre-pay, collect on site? For jobs like spring clean ups or mulch do you charge a portion to cover the cost of buying supplies etc? Thanks!