When a large client sends you a contract with Net 60 or Net 90 terms, they aren't just being slow—they are using your small business as a zero-interest loan.
Here is how to negotiate faster payment triggers using our Contract Scanner.
1. The "Small Business" Leverage
Most corporate accounting departments have a separate policy for "Small Vendors." You can simply say:
"As an independent contractor, I am unable to accommodate Net 60 terms. My standard operating cycle is Net 15 to ensure project bandwidth remains dedicated to your goals."
2. Offer an "Early Bird" Incentive
If they won't budge on the date, offer a 2% discount on the invoice if they pay within 10 days. Finance teams love saving money, and this often bypasses their standard slow-pay cycles.
3. Tied to Delivery, Not Approval
Ensure your contract says payment is due "X days from delivery," not "X days from client approval." This prevents them from "delaying" the approval just to keep the money in their bank longer.
Frequently Asked Questions (FAQ)
Is it rude to ask for Net 15?
No. It is a professional business request. High-value clients respect freelancers who understand their own cash flow.
What if they refuse to change the contract?
If they insist on Net 90, you should increase your project price by 10-15% to cover the "Financing Fee" of waiting three months for your money.
How do I automate my payment tracking?
Use FreelanceShield. It allows you to set clear due dates and professional overdue reminders so you never lose track of who owes you what.