Looking for freelancers or solo service providers who offer Net 30 payment terms to clients. Have you chosen to offer Net 30 (or something similar) as a freelancer? Why did you make that decision — and has it worked out? Was it a smart move for your business, or did it cause more stress than it was worth? If you’ve had a good or bad experience offering longer payment terms as a solo worker, I’d love to hear your perspective. Please also include a 1–2 sentence bio (e.g. “I’m a freelance copywriter who works with B2B SaaS brands.”)

I offered Net 30 terms early in Equipoise Coffee's consulting days, thinking it would land bigger clients. Big mistake—it nearly killed our cash flow like over-extracting espresso ruins the cup. Corporate clients loved the terms but paid in 45-60 days anyway, while I covered payroll and green coffee purchases upfront. The stress wasn't worth the "prestige" clients. Now I require 50% upfront, 50% on delivery for consulting work, and immediate payment for coffee sales. Cash flow is like water temperature in brewing—get it wrong and everything suffers. The only exception? Established clients with proven payment history, and even then, I charge a 2% premium for extended terms. My advice: start with immediate payment terms, then selectively offer Net 30 only after building trust and ensuring you have sufficient cash reserves. Don't let payment terms become the weak link in your business chain. I'm Rory Keel, founder of Equipoise Coffee, an artisan roastery that also provides business consulting to food and beverage entrepreneurs.