Net 7 vs Net 15
Use this comparison when you want terms that are tighter than net 30 but still realistic for smaller client work.
Use the calculator first if you need a number. Use this page when you need the rule, framing, or wording behind it.
Insight
Net 7 moves cash fast, but asks for more client discipline
Net 7 works best when the buyer is close to the work, the invoice is easy to approve, and the project size is modest enough that fast payment does not create procurement friction.
It is most useful for recurring services, smaller retainers, and established clients who already know your billing pattern.
Insight
Net 15 is still strong without feeling abrupt
Net 15 keeps pressure on the timeline while giving clients a little more room to route payment internally. For many small agencies and consultants, it is the best compromise between cash speed and client acceptance.
If net 30 is stretching your float but net 7 feels too sharp, net 15 is often the cleaner middle ground.
Insight
Choose based on buyer workflow, not preference alone
Use net 7 when you invoice small, direct-buying clients. Use net 15 when you still want a faster cycle but need a term that clients can accept without extra negotiation.
If you are unsure, test net 15 first and measure whether reminders decrease or the sales process stays just as smooth.
FAQ
Common questions
Is net 7 too aggressive for new clients?
Sometimes. It can work for small direct clients, but it may feel abrupt for accounts with approval steps or procurement gates.
Why do so many service teams pick net 15?
Because it improves cash timing without feeling as abrupt as net 7. It is often easier to explain during onboarding.
Should I switch every client at once?
Usually no. Start with new or smaller clients first, then expand once you see how the change affects acceptance and collections.
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