Use the client's funds (shorten accounts receivable terms): x% up front, y% per month, or work ceases. Nobody should complain, if they do then make like a mediu

Use the client's funds (shorten accounts receivable terms): x% up front, y% per month, or work ceases. Nobody should complain, if they do then make like a medium to large scale organization and cite 'policy'. Finally, defer all outbound payments (accounts payable/liabilities) by some fixed period, eg. one month. You can do this on the sly by setting a fixed date per month for payment and offsetting all contracts such that you gain 3+ weeks of hold time. Use your existing funds as a buffer in case of non-payment.