Net-60
Payment terms that give a customer 60 days from the invoice date to pay — roughly double the cash-flow gap of net-30.
Net-60 gives a customer 60 days from the invoice date to pay. It shows up with larger accounts and in sectors like staffing, manufacturing, and wholesale, where big customers use their size to set longer terms. The mechanics mirror net-30, but the timing gap is twice as wide — and twice as expensive to float.
The pressure is sharpest when your own costs are weekly. A staffing desk pays placed workers every week but may not collect from the client for 60 days; a manufacturer buys raw materials and runs a shift long before the purchase order pays. Every new order actually widens this week’s outflow before next month’s collection.
Bridging net-60 is a classic working-capital use when the receivable is real and invoiced. Because the wait is long, size conservatively and assume the customer drifts toward net-75 in practice. For a book full of slow invoices, weigh invoice factoring or accounts receivable financing against a lump-sum advance.
Frequently asked
How is net-60 different from net-30?
Both are invoice payment terms; net-60 simply doubles the window to 60 days. That means a longer, more expensive cash-flow gap to bridge between doing the work and getting paid.
Which businesses commonly deal with net-60?
Staffing agencies, manufacturers, and wholesalers often face net-60 from large customers, especially where the customer has leverage to set longer terms.
How do I cover a net-60 gap without straining payroll?
Right-sized working capital or receivables financing can bridge the wait. Size for the realistic pay date, not the invoice date, since large customers often drift past terms.
Related terms
Payment terms that give a customer 30 days from the invoice date to pay the balance in full.
Selling unpaid invoices to a factor at a discount for immediate cash, with the factor often collecting from your customer.
Borrowing against your outstanding invoices while you keep ownership and continue collecting from customers yourself.
The cash a business uses to cover day-to-day operations — payroll, inventory, and the timing gaps in between.
An approval approach that weighs your real deposit activity and cash flow over the owner’s credit score.
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