Im starting this thread for us all to compare prepays with each other... Are they hurting of helping us. I have a point to make Ill make later when we get some answers. What percent of your fert clients prepay for the entire year upfront? What percent discount do you offer them? (how do you economicly justify this discount?) When is your prepay due by? Could your business survive without the prepay monies? ME: 10% ish prepay I offer 5% off... but I cant justify it Its due by March 1 And to answer why i justify it, I simply rely on the cash flow. Now its everyone else's turn.