[RobKanda]

Most tradespeople are professionals, running professional businesses. Whilst your tradesperson might have gone on a bender with the cash last time, that wouldn’t be possible with Kanda. The money doesn’t get to the tradesperson until they’ve completed the job and the customer signs off on it. Then they can go on all the benders they want, they’ve done the work and it’s now their money. Whilst many jobs are still done in cash, the average person doesn’t have sufficient cash in their account to pay for larger outlays, such as a boiler, but could afford it on a monthly payments. What happens in that case? They just don’t get a new boiler, despite needing one? No, they look for an alternative payment option. Kanda offers the tradespeople that option, to offer monthly payment options to their customers, with zero risk to their own business. Finally, in terms of taxes, surely the income tax only applies on profit, with material costs subtracted. But regardless of that, paying tax on a job and getting income, versus not getting the job and not getting any income is surely better. $500 after tax is better than $0 because the customer can’t use you. And when your competitor is offering monthly plans, all of your customers will go to them to get their work done instead

[stormqloud]

You are talking about union construction workers here. They are only used on commercial jobs mostly.due to the price. All the good trade people work commercial and get paid well. Residential is left with people that can't get the good union jobs mostly.