BadCop › Reminder schedules › Net 45

Payment reminder schedule for net 45 invoices

Net 45 means the invoice is due 45 days after it is issued. Here is when each reminder should go out, counted from the issue date and from the due date.

When	Relative to due	Step
Day 40 after issue	T-5	courtesy	template
Day 46 after issue	T+1	friendly	template
Day 55 after issue	T+10	firm	template
Day 66 after issue	T+21	final	template
Day 90 after issue	T+45	escalate	template

Long terms usually mean a larger client with an accounts-payable process. Give the courtesy note more lead time (their approval cycle is slow) and the firm step more room, but do not skip the fee.

BadCop configuration

Drop this into badcop.toml. With net_days = 45, invoices without an explicit due date get one automatically.

[terms]
net_days = 45
grace_days = 3
late_fee_pct = 1.5   # your contract's rate, or 0

[[steps]]
offset_days = -5
name = "courtesy"

[[steps]]
offset_days = 1
name = "friendly"

[[steps]]
offset_days = 10
name = "firm"

[[steps]]
offset_days = 21
name = "final"
apply_late_fee = true

[[steps]]
offset_days = 45
name = "escalate"
notify_owner = true

Install BadCop and run badcop run --dry-run to see the schedule applied to your real ledger.