“When should I ask for a deposit?”
The answer is simple: always.
One of the biggest risks in freelancing is doing weeks of work only to discover the client can’t — or won’t — pay.
An upfront deposit protects you from that scenario.
The 50/50 Rule
For most freelance projects, a 50/50 split works best:
- 50% upfront — paid before work begins
- 50% on completion — paid before final delivery
This ensures steady cash flow and reduces risk if the project stalls.
Deposits Are a Trust Filter
Asking for a deposit does more than secure money.
It filters out bad clients.
If someone hesitates to pay a deposit, it’s often a sign of future payment issues. Serious businesses expect to pay for professional services.
“But I’m New…”
New freelancers often feel they haven’t “earned” the right to ask for deposits.
That’s a mindset trap.
You’re not an employee. You’re a business.
Lawyers charge retainers. Contractors charge upfront. Freelancers should too.
What If They Don’t Pay the Rest?
Even with a deposit, final payments can sometimes be delayed.
That’s why having a clear follow-up and escalation plan matters.
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