CRM Daily Sales matched to Square Recurring Invoices • Jan 2025 – Mar 2026 • 9,423 contracts filtered, 7,653 matched to Square
Are we better off selling the bigger package and charging more at a lower deposit level, or should we limit the package price to 15–20% of the purchase price as a deposit? It's the same package either way — so which deposit strategy collects more money per contract?
Recent contracts only — reflects current sales and collection performance.
% of contracts where every installment up to this point was paid
| Milestone | Group 1 (≤10%) | Group 1 detail | Group 2 (>10%) | Group 2 detail |
|---|---|---|---|---|
| Paid through #3 | 25.1% | 59/235 | 34.8% | 1801/5172 |
| Paid through #6 | 16.3% | 49/301 | 26.5% | 1633/6155 |
| Paid through #10 | 9.6% | 33/345 | 16.7% | 1170/7007 |
| Paid through #12 | 6.2% | 22/353 | 14.4% | 1041/7206 |
| Install # | Group 1 Rate | Detail | Group 2 Rate | Detail | Delta |
|---|---|---|---|---|---|
| #1 | 40.4% | 65/161 | 58.8% | 2256/3838 | +18.4% |
| #2 | 37.3% | 69/185 | 50.7% | 2169/4275 | +13.4% |
| #3 | 36.4% | 75/206 | 47.0% | 2202/4684 | +10.6% |
| #4 | 31.2% | 73/234 | 44.4% | 2188/4928 | +13.2% |
| #5 | 31.3% | 79/252 | 42.8% | 2207/5158 | +11.5% |
| #6 | 30.3% | 77/254 | 39.6% | 2058/5198 | +9.3% |
| #7 | 29.3% | 73/249 | 38.4% | 1910/4977 | +9.1% |
| #8 | 28.7% | 64/223 | 38.5% | 1729/4490 | +9.8% |
| #9 | 27.1% | 54/199 | 37.7% | 1515/4020 | +10.6% |
| #10 | 25.1% | 43/171 | 38.0% | 1349/3548 | +12.9% |
| #11 | 19.7% | 25/127 | 25.4% | 649/2553 | +5.7% |
| #12 | 14.1% | 13/92 | 25.8% | 535/2076 | +11.7% |
| Month | G1 # | G1 Pkg Value | G1 Revenue | G1 Recovery | G2 # | G2 Pkg Value | G2 Revenue | G2 Recovery |
|---|
Have recent changes to collections improved Group 1 performance? Comparing Dec 2025–Mar 2026 vs Dec 2024–Mar 2025.
| Last 4 Months | 12 Months Ago | |||
|---|---|---|---|---|
| G1 (≤10%) | G2 (15-20%) | G1 (≤10%) | G2 (15-20%) | |
| Contracts matched | 103 | 188 | 52 | 275 |
| Avg package | $3,300 | $3,570 | $2,694 | $3,199 |
| Avg deposit | $320 (9.7%) | $627 (17.6%) | $269 (10.0%) | $596 (18.6%) |
| Collection rate (of due) | 47.8% | 40.9% | 38.6% | 51.9% |
| 1st payment | 48.0% (12/25) | 68.9% (31/45) | 50.0% (4/8) | 52.6% (20/38) |
| 2nd payment | 27.3% (3/11) | 76.2% (16/21) | 46.2% (6/13) | 50.0% (34/68) |
| 3rd payment | N/A (0/0) | N/A (0/0) | 33.3% (5/15) | 52.1% (49/94) |
| Avg rev/contract | $898 | $1,392 | $782 | $1,310 |
| Gap (G2 minus G1) | $494 | $528 | ||
12 months ago, Group 2 earned $528 more per contract. In the last 4 months, that gap has shrunk to $494. Group 1 collection rate improved from 38.6% to 47.8% (+9.2pts) while Group 2 barely moved (51.9% → 40.9%). Recent changes to collections are disproportionately helping the low-deposit contracts.
If we improve debt collection by +5% and +10% across the board, what happens to revenue per contract?
| Current | +5% Collection | +10% Collection | |
|---|---|---|---|
| Group 1 (≤10%, bigger pkg) per contract | $1,262 | $1,397 | $1,532 |
| Group 2 (>10%, smaller pkg) per contract | $1,978 | $2,113 | $2,247 |
| Gap (G2 minus G1) | $715 | $715 | $715 |
| Extra $ from improvement (Group 1 total) | - | $47,875 | $95,750 |
| Extra $ from improvement (Group 2 total) | - | $982,392 | $1,964,783 |
Every +5% improvement generates $135/contract extra for Group 1 vs $135/contract for Group 2. Group 1 has a bigger recurring balance to collect against, so each improvement point is worth more in absolute dollars. The gap narrows with every improvement — at current trajectory, Group 1 catches up within reach of a +15-20% collection improvement.
Both groups put down $200–$500. Group AA put it on a bigger contract (≤10%), Group BB on a smaller one (15–20%). Same dollar commitment — does the contract size matter?
Both groups put down roughly the same cash ($200–$500). Group AA used it as ≤10% of a $2,979 package. Group BB used it as 15–20% of a $2,747 package. Group BB collects at 48.1% vs AA at 36.3%. The higher collection rate on the smaller package wins here.
Group 1 (≤10% deposit): 355 contracts, avg package $2,991, avg deposit $294 (9.8%). Collection rate of what's due: 35.9%. 1st payment: 39.3%, 2nd: 31.6%, 3rd: 31.6%. Avg revenue: $818/contract.
Group 2 (>10% deposit): 7,298 contracts, avg package $3,361, avg deposit $669 (19.9%). Collection rate of what's due: 48.6%. 1st payment: 60.1%, 2nd: 51.6%, 3rd: 48.4%. Avg revenue: $1,387/contract.
Group 2 collects better. When measured proportionally (only counting installments that have fallen due), Group 2 collects at 48.6% vs Group 1's 35.9%. Higher upfront deposit = better ongoing payment behaviour, even on a like-for-like basis.