I have been in the construction/remodeling business for over 30 years, I currently employ one other person. I do have subcontractors that I use on an as needed basis, primarily for services that I don't perform myself i.e. cement work. Depending on the size of the job I may require a down payment up front before starting the job. The bill/balance of bill is due at time the job is completed. I do not take credit cards nor do I offer any type of financing. I am fully insured and licensed including licensing as a lead abatement supervisor.