The whole 90 days element has been taken out of context. The time taken calculates from undertaking the supply. So literally you undertake works in month 1 and bill at the end, the clients take 30 days to check and approve so thats 60 days. Then there will be IT problems, people on leave etc and very often it ends up 90 days but the average is 60. There are some exceptional clients who can do it in less and they do (City West Homes Salford are a good example) but the supply chain all have to undertake to work to the slower clients though. The suppliers very often agree to 90 days but if your spend quicker than the amount of credit you need then the terms might be 90 days but in fact you will be operating to much less (30 days) because you need a constant flow of goods to service the contract etc If the client is a poor payer then your need to pay suppliers overtakes your slow paying clients and thats where a problem begins but typically you have to solve it because the client wont or cant ! Inevitably the contractor bears the brunt of the blame but hey ho thats the rub of the green !