# Invoice + payment terms templates, by trade

From flo.space (https://flo.space/invoice-templates). Free to use and adapt;
no attribution required on your invoices. Replace everything in [brackets].
Not legal advice: have late-fee and interest language checked against your
state/province rules before relying on it.

---

## 1. Contractor / trades invoice

[Your business name] · [license # if applicable]
[address · phone · email]

INVOICE #[number]                Date: [date]      Due: [date]

Bill to: [client name / property address]
Job: [short description, e.g. "Bathroom remodel — phase 2 of 3"]

| Item | Qty | Rate | Amount |
|---|---|---|---|
| Labor: [task] | [hrs] | [$/hr] | [$] |
| Materials: [list or "per attached receipt"] | | | [$] |
| Permit / disposal / equipment | | | [$] |

Subtotal: [$]   Tax: [$]   TOTAL DUE: [$]
Deposit received: -[$]   BALANCE: [$]

Payment: [check / bank transfer / card link]
Terms: Net [14/30]. Progress billing per signed estimate #[number].
Late payments accrue [1.5]% per month ([18]% per annum) after the due
date, where permitted by law. Materials remain the property of
[business name] until paid in full, where permitted.

---

## 2. Freelance designer / creative invoice

[Your name / studio] · [email · site]

INVOICE #[number]                Date: [date]      Due: [date]
Client: [name, company]
Project: [name, per agreement dated [date]]

| Deliverable | Amount |
|---|---|
| [e.g. Brand identity package — final 50%] | [$] |
| [e.g. Additional revisions beyond 2 rounds: n × $X] | [$] |

TOTAL DUE: [$]

Terms: Net [14]. 50% deposit received [date]; balance due on delivery
of final files. Final files and usage rights transfer upon full
payment. Late payments accrue [1.5]% per month after the due date,
where permitted by law. Kill fee per agreement: [%] of remaining fee.

---

## 3. Small retailer / e-commerce (wholesale-to-retail) invoice

[Business name] · [address · email · phone]

INVOICE #[number]        Order #[number]      Date: [date]   Due: [date]
Bill to / Ship to: [customer, addresses]

| SKU | Description | Qty | Unit | Amount |
|---|---|---|---|---|
| [sku] | [item] | [n] | [$] | [$] |

Subtotal: [$]  Shipping: [$]  Tax: [$]  TOTAL: [$]

Terms: Net [15/30] from invoice date. Payment by [methods].
Claims for shortages or damage within [5] business days of delivery.
Late payments accrue [1.5]% per month where permitted by law; accounts
past [45] days ship prepaid-only until current.

---

## 4. Wholesaler / distributor invoice

[Business name] · [address · email · phone]

INVOICE #[number]     PO #[number]     Date: [date]     Due: [date]
Sold to: [account]         Ship to: [address]
Ship date: [date] · Carrier: [carrier] · [FOB origin/destination]

| Line | Item / lot # | Cases | Price/case | Amount |
|---|---|---|---|---|
| 1 | [item, manifest ref if closeout] | [n] | [$] | [$] |

Subtotal: [$]  Freight: [$]  TOTAL DUE: [$]

Terms: Net [30] from invoice date. [2]% discount if paid within [10]
days ([2/10 net 30]). Late payments accrue [1.5]% per month where
permitted by law. Shortage/damage claims within [48 hours] of receipt
with photos; no deductions without a signed credit memo. Accounts over
[60] days pause further allocations until current.

---

## Payment terms language that actually gets invoices paid

- **Name the date, not just the term.** "Due August 27" outperforms
  "Net 30" alone; print both.
- **Early-payment discount beats late-fee threat** for chronic slow
  payers: 2/10 net 30 gives them a reason to move you up the pile.
- **Late fee: state it, apply it rarely, waive it audibly.** The clause
  changes behavior; the waiver ("I'll drop the fee this once") buys
  goodwill the fee itself never earns. Verify your local cap first.
- **Consequences you control beat penalties you must chase:** prepaid-
  only status, paused allocations, and held files (creatives) are
  enforceable by you unilaterally; interest requires collecting it.
- **Put the payment link on the invoice AND every reminder.** Every
  click you remove is measurable days off your DSO.
- The follow-up sequence for when terms fail anyway:
  https://flo.space/blog/overdue-invoice-follow-up