I offer payment plans but analyze: should I require full payment? Map the payment plan issues: defaults, admin overhead, delayed cash. Calculate: if I eliminated payment plans and required full payment, would I make more despite fewer buyers? Show me the full payment justification: these are reasons for requiring full payment. Give me the requirement strategy: shift to full payment only. Include: whether payment plans are costing me money through defaults, how to require full payment without seeming inflexible, and if payment plans attract wrong clients.