The client who paid late actually taught me a better way to invoice
After 3 months of chasing a Denver retail owner for $2,800, I switched to splitting every job into a 50% deposit and two milestone payments tied to actual deliverables. That client paid the final invoice on time for once, and two new clients said the smaller checks were easier for their accounting approval. Has anyone else found that breaking payments into chunks weeds out the worst payers before you sink a lot of hours?
The part about "weeds out the worst payers before you sink a lot of hours" is not quite how it works in my experience. The deposit does filter some people, sure, but the ones who ghost you after the first check usually were never going to pay the whole thing anyway. What actually changes is your risk per job. Instead of being out $2,800 when someone stalls, you're out a smaller chunk, and that matters more than the filtering. Splitting payments also makes the client's accounting folks happy because each check is smaller and easier to approve, which is a real thing and not just a nice side effect. So yea it works, just for a different reason than you're giving it credit for.