Freelancer or two-person studio with a handful of clients and no leverage
Freelancers eat 30-90 day payment delays because chasing feels like endangering the relationship, and every follow-up is an awkward hand-written email composed at midnight.
- Trigger
- Freelancer surveys consistently show a majority experiencing late payment, with most never charging the late fees their contracts allow.
- Budget
- Low-cost monthly subscription; free tier capped at active invoices.