Browse 5 Gruv blog articles tagged Cash Flow Management. Payout rails, FX, reconciliation, and platform money-movement playbooks.
Choose **Net 30, Net 60, or Net 90** based on what your payment process can meet consistently, not on generic B2B norms. The right term is one your team can execute reliably while protecting cash flow.
A contractor cash advance is not automatically reckless or automatically useful. The real question is whether the funding structure fits your cash-conversion cycle closely enough to solve a timing problem without turning routine revenue into expensive repayment pressure.
Net 30 gives the buyer 30 days to pay from the agreed contractual trigger, often the invoice date but sometimes receipt or acceptance. Confirm that trigger and the actual due date before financing the invoice; an unaccepted invoice or disputed work may not qualify.
For a new direct-client project, a useful default is to begin production after the [consulting agreement](/tools/freelance-contract-generator) is signed and the agreed advance payment is confirmed in your own bank or provider records. A manually marked-paid invoice or a client screenshot is not enough. Define the payment state that permits kickoff, then use it consistently in the proposal, agreement and [invoice](/tools/free-invoice-generator).
If you run a business of one, you need a repeatable system you can actually use.
