10/14/2026
Buying materials or software subscriptions out of pocket for a client project feels routine until you realize you just gave them an interest-free loan. When those costs sit on your credit card for weeks before you bill them back, your own operating cash takes the hit. We see this happen constantly with service and trade businesses across Hamilton and Toronto during busy project seasons. Passing direct costs onto client invoices the moment they occur keeps your accounts steady. Have you ever caught an unbilled client expense weeks after finishing a project?