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Damn! You found me out! Down payment is for inviduals only. Commercial and a few clients we don't worry about.

We do a written contract for anything over $1k with a down payment of 35-50% depending on the circumstances. If I was as busy as you were, I'd write an open ended (money wise) contract and require $5k down (50% of $10k). Then I'd expect the balance in 30 days/first week of the next month. I...