[cbsmith]

That's pretty simple to manage though. If you're going with say... 2/10 net 60, you charge them at a 3% higher rate. Clients might perceive this as charging interest, which it is, and they'll be perfectly happy with it. If you have cash flow issues, you borrow to cover the float —net 60 billables to large companies tend to make you not a credit risk; even with high interest rates of today, you'll come out net ahead.