How do I counter a Net-60 or Net-90 payment clause?

Client wants Net-60 or Net-90? See the cashflow cost, a fair counter-clause with Net-14 or Net-30, deposits and late fees, and an email to send.

The risky clause

Invoices will be paid within 90 days of the invoice date, subject to Client approval.

Why it is dangerous

Net-90 means you finance your client for three months. A fair counter is Net-14 or Net-30, a deposit up front and a late fee. If the client's accounting needs longer terms, split the fee into milestones so you are never waiting on one big invoice. This is general information, not legal advice.

Safer clause to propose

A 30% deposit is due before work begins. Invoices are due within 14 days of the invoice date. Overdue amounts accrue 1.5% per month, and work may pause while an invoice is overdue.

Message to send

Hi [Client],

Could we change the payment terms to a 30% deposit up front and Net-14 on invoices? It lets me reserve time for your project. Happy to discuss milestones if that suits your process. Thanks, [Your Name]

Frequently asked questions

Is Net-90 normal for freelancers?

Some large companies use it, but it is hard on freelancers. Ask for shorter terms, deposits or milestone billing.

What if the client's policy cannot change?

Ask for a higher deposit, split milestones or a late fee to offset the delay.

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