"contract" work always pays late I don't think offering them a discount to pay in full is too good of an idea unless you don't intend on working for them again. A discount only gives them the idea that if they don't pay, you will lower the price. The discount should be addressed prior to contracting the work. ie. 3% if paid upon delivery. You can add that 3% when quoting the job so you are out nothing there. Some places like to operate on your money, and if they are that close to going belly up, you may want to give the discount, get your money, and cut the cord before they take you with them. Just a thought.