Guide

Deposits and getting paid on time

Chasing money is the worst part of running a trade business, and most of it comes from terms that were never agreed clearly at the start. A few lines on your quote prevent nearly all of it.

Put the terms on the quote

Deposit amount, when the balance is due, what you accept and what happens if it is late. If it is on the quote they accepted, there is nothing to argue about later.

Saying it out loud at the survey as well means nobody can claim surprise.

Deposits are normal, ask for one

For any job involving materials up front, a deposit is standard practice and customers expect it. Trades who feel awkward asking end up funding other people work.

For longer jobs, stage payments tied to milestones keep the cash flowing and reduce everyone risk.

Invoice the same day

The longer you leave it, the longer you wait. An invoice sent from the van before you drive off gets paid faster than one sent at the weekend.

Include everything needed to pay you. Bank details, the amount, the job and the date due.

Chasing without a row

A calm sequence works better than one angry phone call.

  • A friendly reminder a few days after it is due
  • A phone call a week later
  • A formal written reminder with the terms attached
  • Only then, talk about next steps

Spot the warning signs

Reluctance to agree terms in writing, pressure to start immediately and haggling over every line are all signals. Trust your gut and keep your deposit rule.

Common questions

How much deposit should a tradesman ask for?

Enough to cover materials is the usual approach, with the balance on completion. Stage payments suit longer jobs better.

What if a customer refuses to pay?

Keep everything in writing from the first quote onwards. That paper trail is what protects you if it ever goes further.

Where to go next

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