Do you want to get paid on the job?

Most trades finish the work, pack up, drive home, write the invoice that evening or more likely at the weekend, send it, then wait thirty days. Somewhere in that sequence is the reason a busy, profitable trade business still finds itself putting off van tyres and buying next week's materials on a credit card.

The gap between doing the work and holding the money is not a law of nature. It is a habit, and on domestic work it is usually an expensive one.

What the wait actually costs

Take a one-van electrician turning over £8,000 a month, almost all of it domestic. Invoicing at the weekend rather than at the door adds three or four days before the clock even starts. Thirty day terms that actually get paid on day thirty-eight, which is entirely normal, means around £11,000 of money you have already earned is permanently sitting in other people's accounts.

Nothing has been lost. Every penny arrives eventually. But that is £11,000 of working capital you are funding for other people, and it never comes back while the business is running, because as one invoice clears the next one takes its place.

Why it happens anyway

Three things, none of them about the customer.

• Invoicing is admin, and admin waits until you have time. You have time on Sunday.
• Asking for money face to face feels rude in a way that emailing an invoice somehow does not, even though it is the same request.
• Nobody ever set a rule, so every job gets decided on the spot, and the default when you are tired and the next job is across town is to leave it.

Paid on the job, in practice

The businesses that close the gap have not found braver customers. They have removed the three reasons above, roughly in this order.

1. 1Agree the price before the work starts, in writing, including what happens if it turns into a bigger job. A customer who has accepted a number is not being asked for a favour at the end. They are being asked to do the thing they already agreed to.
2. 2Write the invoice before you pack up, not after. Five minutes on site beats forty minutes on Sunday, and it means the document exists while you are still standing there.
3. 3Take the payment at the door. Card on a phone, bank transfer while you wait, whatever is easiest for them. The point is that leaving is the last step rather than the second one.
4. 4Say it the same way every time. "That's £340, I can take card now if that's easiest." Set as a sentence you always use, it stops being a negotiation and starts being the end of the job.

The objection, and where it is right

The usual reply is that customers will not pay on the spot. For domestic work that is mostly not true, and the businesses that have tried it are consistently surprised by how few people object. Someone who has just watched you fix their heating is the most willing they will ever be to pay you. Thirty days later they are the least willing.

For commercial and landlord work the objection is real. Letting agents, builders and facilities companies genuinely do pay on terms, they will not change that for you, and fighting it will cost you the account. The answer there is different. Price the wait into the job, invoice the same day it finishes rather than at month end, and know which of your customers are funding your cashflow and which are borrowing from it.

Most one-van businesses have both kinds of customer and treat them identically. That is the actual mistake.

The small stuff that moves the number

• Send the invoice the day the job ends. The single biggest lever on getting paid faster is starting the clock sooner, and it costs nothing.
• Put the payment method on the invoice, not just the bank details. An invoice somebody can pay in one tap gets paid in one tap.
• Take a deposit on anything with materials in it. You should not be funding somebody else's boiler.
• Chase on a schedule rather than when you remember. Day one after terms, day seven, day fourteen. Unremarkable, automatic, not a confrontation.

None of this is financial advice, and it will not turn a badly priced job into a good one. It will stop a well priced one from being a loan.

Youzse quotes, invoices and takes the payment from the same job, so the invoice exists before you leave and can be paid on the spot. In person card payments go through Tap to Pay on iPhone and Tap to Pay on Android, so there is no reader to buy. The card rate is 2.5% plus 35p with the platform fee inside it, and there is 0% commission on new clients who find you through Youzse.