CRM Daily Sales matched to Square Recurring Invoices • Jan 2025 – Mar 2026 • 9,389 contracts filtered, 8,935 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 | 19.1% | 72/376 | 28.8% | 2121/7355 |
| Paid through #6 | 7.0% | 29/416 | 17.1% | 1411/8272 |
| Paid through #10 | 3.5% | 15/430 | 9.2% | 780/8500 |
| Paid through #12 | 2.6% | 11/430 | 7.8% | 660/8503 |
| Install # | Group 1 Rate | Detail | Group 2 Rate | Detail | Delta |
|---|---|---|---|---|---|
| #1 | 40.1% | 139/347 | 55.5% | 3753/6768 | +15.4% |
| #2 | 34.8% | 115/330 | 48.2% | 3027/6281 | +13.4% |
| #3 | 30.5% | 98/321 | 43.3% | 2548/5887 | +12.8% |
| #4 | 25.6% | 75/293 | 40.2% | 2230/5545 | +14.6% |
| #5 | 24.1% | 62/257 | 37.5% | 1929/5147 | +13.4% |
| #6 | 21.9% | 44/201 | 38.1% | 1744/4582 | +16.2% |
| #7 | 27.2% | 40/147 | 40.6% | 1507/3714 | +13.4% |
| #8 | 30.6% | 34/111 | 44.0% | 1284/2917 | +13.4% |
| #9 | 32.5% | 27/83 | 44.9% | 1013/2254 | +12.4% |
| #10 | 40.0% | 24/60 | 45.3% | 787/1738 | +5.3% |
| #11 | 35.7% | 15/42 | 33.5% | 336/1004 | -2.2% |
| #12 | 28.6% | 8/28 | 30.3% | 217/715 | +1.7% |
| 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 | 101 | 185 | 105 | 438 |
| Avg package | $3,286 | $3,574 | $2,768 | $3,284 |
| Avg deposit | $317 (9.7%) | $627 (17.5%) | $272 (9.8%) | $615 (18.7%) |
| Collection rate (of due) | 44.3% | 60.2% | 38.7% | 58.0% |
| 1st payment | 48.2% (27/56) | 62.7% (42/67) | 49.0% (24/49) | 71.7% (160/223) |
| 2nd payment | 34.5% (10/29) | 64.3% (18/28) | 47.9% (23/48) | 60.1% (134/223) |
| 3rd payment | 0.0% (0/2) | 100.0% (1/1) | 43.8% (21/48) | 57.0% (127/223) |
| Avg rev/contract | $531 | $830 | $784 | $1,584 |
| Gap (G2 minus G1) | $299 | $800 | ||
12 months ago, Group 2 earned $800 more per contract. In the last 4 months, that gap has shrunk to $299. Group 1 collection rate improved from 38.7% to 44.3% (+5.6pts) while Group 2 barely moved (58.0% → 60.2%). 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 | $1,278 | $1,412 | $1,546 |
| Group 2 (>10%, smaller pkg) per contract | $1,985 | $2,119 | $2,253 |
| Gap (G2 minus G1) | $707 | $707 | $707 |
| Extra $ from improvement (Group 1 total) | - | $57,725 | $115,450 |
| Extra $ from improvement (Group 2 total) | - | $1,143,367 | $2,286,734 |
Every +5% improvement generates $134/contract extra for Group 1 vs $134/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 $2,971 package. Group BB used it as 15–20% of a $2,756 package. Group BB collects at 48.8% vs AA at 37.0%. The higher collection rate on the smaller package wins here.
Group 1 (≤10% deposit): 430 contracts, avg package $2,977, avg deposit $292 (9.8%). Collection rate of what's due: 36.7%. 1st payment: 42.6%, 2nd: 36.6%, 3rd: 34.0%. Avg revenue: $686/contract.
Group 2 (>10% deposit): 8,505 contracts, avg package $3,346, avg deposit $658 (19.7%). Collection rate of what's due: 49.3%. 1st payment: 61.2%, 2nd: 52.8%, 3rd: 47.6%. Avg revenue: $1,247/contract.
Group 2 collects better. When measured proportionally (only counting installments that have fallen due), Group 2 collects at 49.3% vs Group 1's 36.7%. Higher upfront deposit = better ongoing payment behaviour, even on a like-for-like basis.