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stage-payment-shield

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Set up deposits and stage payments that protect a tradesperson from the customer who won't pay AND read as fair to the customer — stage triggers tied to visible milestones, deposit sizing by job type, the payment terms paragraph for quotes, and the scripts for late stages. Use when a tradesperson asks 'how much deposit should I take', 'customer hasn't paid the second stage', 'payment terms for my quotes', or got burned on a big job. Produces a stage-payment schedule, the terms paragraph, and firm-but-professional chase scripts.

skills/stage-payment-shield/SKILL.md

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Nov 9, 2026

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Repository last updated
Nov 10, 2026
License
MIT

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# Stage Payment Shield Skill

Every tradesperson has the story: the big job, the customer who went quiet at
the last invoice, the month of work financed on a personal credit card. The
shield isn't aggression — it's structure agreed up front: a deposit that
covers materials exposure, stages triggered by *visible* milestones (customers
pay happily for what they can see), and the final payment small enough that
losing it hurts but doesn't sink the month. This skill sizes the stages for
the actual job, writes the terms paragraph for the quote, and scripts the
chases — polite at day 1, firm at day 7, formal at day 14.

## What This Skill Produces

- A **stage-payment schedule** for the specific job: number of stages,
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