How to get clients to pay on time without damaging relationships

• Cash flow challenge: My clients are slow to pay, which disrupts my cash flow, but I don’t want to risk losing their business by being too forceful.

• Perfect for: Small business owners, freelancers, and agencies that want to balance chasing payments with keeping good client relationships.

Novuna helps businesses reduce late payments and keep cash flow predictable, either through our award winning in-house service or by comparing the market to find the best fit for your needs.

We work with providers who understand how important relationships are, help you set up the right solution, and make sure you get a deal that protects your business without pushing clients away

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Why clients pay late

Late payments don’t always mean bad clients. Common reasons include:

• Disorganised accounts payable processes

• Cash flow issues on their side

• Confusion over payment terms or invoice details

• A lack of reminders or follow-ups

Understanding the root cause helps you approach the situation professionally and maintain trust.

Practical ways to encourage timely payments

Set clear payment terms from the start

Agree on deadlines before work begins. Include standard terms on every contract and invoice, so there’s no room for confusion.

Send invoices quickly and accurately

Delays or errors in invoices give clients an excuse to push back payments. Automating invoicing reduces mistakes and speeds up turnaround.

Use polite but firm reminders

A friendly reminder before the due date, followed by prompt follow ups, keeps your invoice top of mind without sounding aggressive.

Offer multiple payment options

Bank transfer, card payment, or direct debit giving clients choice makes it easier for them to pay you on time.

Incentivise early payment

Small discounts for paying within a set period can encourage faster turnaround without damaging your margins.

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Balancing professionalism and persistence

The key is tone. Avoid sounding confrontational and instead, stress that prompt payments help you continue delivering quality service. Templates, automated systems, and third-party support can help keep the process consistent and professional.

How Novuna Business Cash Flow can help

We support businesses with tailored solutions that improve payment practices and protect relationships. Whether you need invoice finance, credit control support, or flexible funding, Novuna helps you keep cash flowing smoothly while strengthening your client base.