Deposits and card-on-file solve a lot of this, agreed. For the invoices that do go out net terms (recurring commercial clients, etc.), the piece I always struggled with was knowing ahead of time which ones were actually going to be a problem. I ended up building a small read-only Jobber add-on (staycovered.ca) that looks at each client's payment history and flags the invoices genuinely at risk before they're overdue, rather than after. Wasn't a professional dev before this, just used AI tools to put it together for my own business. Happy to share details if useful to anyone here.
