Hi Guys, So I am making major changes to the business this year. I have a major goal to improve cashflow and keep my A/R as low as possible or non existent. I had major problems with past due invoices last year and late payments. I have set up credit card processing, which should help for those people that don't immediately have the cash. It will enable me to have the credit card companies finance them instead of my company. I am also considering rolling everything into 9 monthly installments rather than bill for work done that month. I figure this will enable people to set it in billpay and forget it, rather than having to issue a check for a different amount each month. I also think it will improve cashflow as there will be no "lump sum" payments for fall cleanup and mulching. Lastly, I am thinking about enforcing "pre-payment". Ideally for me, pre paying would enable me to have the money in the account prior to season start for pre-season expenses and payroll. However, I don't know how customers would react to this, as there is no benefit to them. My brother suggested that good customers, the customers you want, probably wouldnt have an issue with it. The other thing is, I don't want to make too many changes at once, and confuse or overwhelm customers. I feel it is best to make small changes every year. At a minimum, I was thinking I need to make those slow paying customers pre-pay, and maybe make all new customers pre-pay. What are all your thoughts on this? Thank you!