Hello everyone! Ive been working for a large civil engineering firm for a number of years managing a variety of subcontracts but my wife and I are setting up our own business which requires some building and fit out works. I dont particularly agree with the way my current company holds small contractors over a barrel with regards to payment terms (in particular paying late!) and understand the problems this puts with those contractors. However, as a start up business (without the same buying power/history) and with a very tight cashflow I need to ensure that we get reasonable terms for our building works, electrical, plumbing and decorative fit out totalling around £40k. These trades are different to those I am used to dealing with so Id like some advice on what to expect. How much up front, materials on site, substantial completion, retention ect in terms of percentages. Any help is much appreciated!