Can I charge a late fee?

Yes — 1.5% per month past due is standard and enforceable in most jurisdictions. Put it in your invoice terms.

What if a brand insists on Net 90?

Counter with 50% upfront. If they refuse both, factor the cost of capital (~3% over 90 days) into your rate.

How brand deal payment terms work (Net 30, 60, 90)

Payment terms decide when you actually get paid. Net 30 vs Net 90 — what to negotiate for and what to avoid.

"Payment terms" decide how long after invoicing the brand has to pay.

The common terms

Upon receipt / Net 0 — paid immediately. Rare but ideal.
Net 30 — paid within 30 days of invoice. Industry standard for direct brand deals.
Net 60 — paid within 60 days. Common for larger brands and agencies.
Net 90 — paid within 90 days. Standard with big agencies (WPP, Publicis, etc.). Painful for cash flow.

What to negotiate

Always ask for Net 30 first. Many brands quietly accept it.
Never accept Net 90 without an upfront deposit. Push for 50% upfront, 50% on Net 30.
Get a late fee clause. 1.5% per month past due is industry standard and totally enforceable.

Red flags

"Net 120" or "upon brand approval" with no defined timeline
No invoice acknowledgment process
Vague PO process ("we'll figure it out after delivery")

Tools to help

Kiki tracks every invoice automatically and nudges brands at day 25 (before Net 30 hits) and day 31 (the day after). [!TIP] Brands pay faster when they know you're tracking.