This does not always work the way it should. A common term is 2/10 net 30. Many customers will take the discount (although not all will), however, this still does not mean you will get all your money on day 10. Bottom line, the customer will pay you when they want to. It might be on day 10 or they may just print the check on that day, then mail it in a few days — and then you’ll wait even longer until it arrives at your office. In most cases, this can cost you more than invoice factoring. In addition, by offering early payment terms, you may not be able to plan with confidence or rely on the funds being in your bank account by a certain day in order to cover payroll or other liabilities.