I had a client send me $200 of a $1000 invoice.
Me: Excuse me, but your payment is only 1/5 of what you owe me. Are you planning on paying the rest?
Client: Yeah, cashflow is a little tight right now, so I decided to “finance” it.
Me: But… you didn’t ask me, and I didn’t agree to it.
Client: Yeah, well, that’s what you’re getting next month. I’ll give you some more next month.
Spoilers: He sent me another $200 the next month and then I never heard from him again.