Net-90 Payment Terms Can Starve Your Cash Flow

What this clause actually says

"Net-30," "net-60," or "net-90" means the client pays that many days after invoicing. Net-90 is effectively "we pay you three months late."

Why it matters to you

Waiting 90 days for payment turns your agency into an interest-free lender to your client — and the longer the terms, the higher the odds of a dispute or non-payment.

How to fix it before you sign

Ask for Net-15 or Net-30, and add a late fee for overdue invoices. Consider a deposit or milestone payments for larger engagements.

Ctrl+F for these phrases

  • →net
  • →days after receipt
  • →payment terms
  • →upon acceptance

Quick answers

What payment terms are reasonable for a freelancer?

Net-15 or Net-30 with a deposit or milestone payments is a reasonable, common ask. Net-60 or net-90 shifts the cash-flow risk entirely onto you.