I did a search today on customer pre-payment/contracts. For 4 years now I have billed everybody at the end of the month for what was done at the account. It has worked out pretty well for the most part but a recent thread got me thinking there is probably a better way. Here is my question. How many of you make your customers stricktly pre-pay once a year with or without a small discount? How many of you do that with also the options to pre pay every 6 or 3 months with no discount? How many of you just add up the yearly cost of mowing, divide it by 12, and then let the customer make 12 monthly payments over the year and put extra on the bill if extra work is done? Who out there has made the switch from billing like I did to only accepting pre-payment and how did it work out? Here are a couple of pros and cons that I can think of, please give me your input. This would be a pretty serious change in the way I do business so I want to do it right. PROS - Eliminate slow payers or people that just want to screw you over - Increase cash flow - Simplifie my life and my customers lives CONS -Scare away potential customers -Be forced to drop customers that can't afford to pre-pay(elderly) As always your feedback is greatly appreciated, thanks.