there is a guy i know, he was at one time a one man op , old truck, 45 lawns a week. one day, out of nowhere he says, "i want to get big, really big." this was 5 years ago. now, he has 7 new trucks, 14 employees, and over 500 weekly residential accounts, as well as landscaping and commercial accts. . i met up with him yesterday, he's always at the post office, every single day, he needs to go to the post office. why? cus most of his 500 + clients, don't pay on time. he said he added late fees, it don't seem to help getting paid on time. he said he's basically accepted the fact that, if you want alot of clients, you better be able to accept the late payers. he says his overhead is so high, that it's a constant tailchase..to the post office box, to the bank, on a daily basis, just to try and keep his own bills paid on time. he said....he is screwing up his credit because he just doesn't have enough money comming in on time to pay his payroll, and bills on time. he said he tried everything, and has just learned to accept the late payers as part of running a large business. i believe there has to be some truth to this. my business is relatively small (80 something residentials) and i just drop the late payers as they come, but, if i wanted to go big, i'd have to accept this late crap. any thoughts? do you feel he's right?