If you’re a freelancer, artist, designer, or any kind of creative professional, you’ve probably encountered payment terms like Net 30, Net 60, or even Net 90. At first glance, they might seem like standard industry practices. But let’s be honest—these delayed payment terms often hurt creatives way more than they help.
If you’re tired of chasing invoices and waiting months to get paid, here’s why you should start saying no to these deals and how to shift toward better payment terms.
1. Delayed Payments Hurt Your Cash Flow
As a creative, you don’t just work for fun—you work to pay your bills. When a client pays you on a Net 60 basis, that means you won’t see a dime for two months after completing the work. Meanwhile, your rent, utilities, and software subscriptions don’t care about Net 60. You need money now, not later.
When you accept delayed payments, you’re essentially giving your clients an interest-free loan. They get to use your work immediately while you wait to get compensated. That’s not fair.
2. You End Up Chasing Invoices
Ever sent an invoice with a Net 30 payment term, only to follow up three times before you actually get paid on Net 60? That’s the reality for many creatives.
Large companies often prioritize their own cash flow over paying freelancers and small businesses. If you agree to a Net 60 deal, there’s a good chance you won’t get paid until Net 75, Net 90, or later—especially if you’re not aggressively following up.
You’re not just a creative; you’re suddenly an unpaid debt collector. And that’s not what you signed up for.
3. Your Time Is Valuable
If a client wants to delay paying you, ask yourself: Would they be okay if you delayed delivering the work? Probably not.
Your time and talent are just as valuable as any other professional service. If lawyers, consultants, and agencies can demand upfront or prompt payment, so can you. Stop treating your work like it’s worth less.
4. Net 30, Net 60, Etc., Are Negotiable—So Negotiate!
Many freelancers assume that Net 30 or Net 60 is set in stone. It’s not. Clients set these terms because they can—but you can push back.
Here’s how to approach it:
Ask for 50% upfront. This is standard practice in many creative industries.
Request Net 7 or Net 14 instead. If they insist on Net 30, see if you can negotiate a shorter timeframe.
Offer discounts for early payment. For example, "5% off if paid within 7 days."
Charge late fees. Make it clear that late payments come with consequences.
5. Consider Using Contracts & Payment Tools
One way to enforce better payment terms is by using solid contracts and invoicing tools that work in your favor.
Use a contract that clearly states payment terms (including late fees).
Use invoicing platforms like FreshBooks, QuickBooks, or HoneyBook that send automated reminders.
Accept digital payments (PayPal, Stripe, Zelle) instead of checks, which only delay things further.
Final Thought: You Deserve to Get Paid Fast
At the end of the day, you are running a business—even if you’re a solo freelancer. You deserve to get paid on time, just like any other professional. Stop accepting Net 30, Net 60, or worse as the default. Push for better terms. The more creatives stand firm, the more businesses will be forced to respect our time and work.
Say no to delayed payments. Say yes to valuing yourself.
