I've read through what you all do. I'm in agreement about dropping late payers and losing presence in the neighborhood. Here's what is currently working for us: Previous to this year, FOR MOWING: I'd been billing at the end of the month with invoices marked "due on receipt". 50% paid within 15 days other 50% before next billing. FOR LABOR ONLY WORK: Invoice presented or mailed immediately upon completion of work. FOR LABOR & MATERIALS work: ALL MATERIALS COSTS MUST BE PAID IN ADVANCE - period NO exceptions!!! Labor and any incidentals billed upon completion of work. This year, the ONLY change is to billing MOWING. To see if it would "improve cash flow" I decided to send out a mowing bills every 4 weeks AND added Intuit's Quick-books Online Payment. Doing this gives a "rolling" effect. WOWZER! An immediate difference, in that there were several customers who were good payers, decided to simple click the link in their emailed invoice and VOILA! Money in MY bank immediately! Located in coastal Rhode Island, we are a small (so far ;-D) biz 40+ weekly lawns, landscape and hardscape services and snowplowing. Mowing season runs from late April through early November.