late payments are i very small percentage of my round.i usually write off less than £100 year on year.(ive currently wrote off £6 this year but that will rise slightly methinks)
i used to get stressed out years ago when i was owed £150-£200 due to needing the money (living hand to mouth )but now my debt list is rarely below £500 at anyone time.
it doesnt bother me at all now as i know ill get my money eventually.
plenty of customers pay cash/cheque/BACS on day of clean or a few days after so cashflow is really good.
collecting once a week on a monday also helps on certain compact domestic work.
text reminders get sent out 14 days after clean if no payment for large domestic BACS customers,others i let it build up to 3 cleans before leaving an invoice or statement of account.
the odd customer will pay me 6 months to a year IN ADVANCE and i have a few who pay by standing order.
some commercial will pay me 30 days after clean but its not large amounts(usually under £200)
i dont have any sub contract commercial work and i dont want any so ill never get stung by more than a few quid here and there.