Definition
Net 45 is a payment term meaning the full invoice amount is due 45 calendar days after the invoice date. It is a middle ground between Net 30 and Net 60, often requested by mid-sized companies and retailers whose accounts payable teams pay suppliers in batches twice a month.
Net 45 in practice
Clients ask for Net 45 to hold on to cash longer and to fit their payment runs. For a supplier, it means waiting six or more weeks for money on work that may have taken only days, so it matters most when invoices are large or margins are thin.
If you agree to Net 45, consider offering an early payment discount, such as 2 percent if paid within 10 days, to give the client a reason to pay sooner. Track Net 45 invoices separately in your aging report so they are not chased too early.
Example
A packaging supplier invoices a retailer $18,000 on September 1 with Net 45 terms. Payment is due October 16.
Net 45 due date calculator
Pick an invoice date and a term. You will get the due date and a line you can put on the invoice.
Choose an invoice date to see the due date.
Due on receipt, Net 7, Net 15, and Net 30 fill the due date in Invoice Website. Other terms, such as Net 45, Net 60, 2/10 Net 30, EOM, and prox, go in custom terms.
Net 45 due date examples
Add 45 calendar days to the invoice date. Weekends and holidays count.
| Invoice date | Net 45 due date |
|---|---|
| January 15, 2026 | March 1, 2026 |
| February 20, 2026 | April 6, 2026 |
| March 31, 2026 | May 15, 2026 |
| June 30, 2026 | August 14, 2026 |
| December 15, 2026 | January 29, 2027 |
How to write Net 45 on an invoice
Put the term next to the invoice date, and spell out the actual due date so nobody has to count.
- Payment terms: Net 45
- Terms: Net 45. Payment is due within 45 days of the invoice date.
- Due date: March 1, 2026 (Net 45 from January 15, 2026)
Net 45 compared with other net terms
| Term | Days to pay | Common for |
|---|---|---|
| Net 7 payment terms | 7 | Freelancers and small jobs that need cash quickly |
| Net 10 payment terms | 10 | Small businesses and repeat clients who pay promptly |
| Net 15 payment terms | 15 | Freelancers, consultants, and retainer work |
| Net 30 payment terms | 30 | Standard business-to-business invoices |
| Net 45 | 45 | Larger clients with monthly payment runs |
| Net 60 payment terms | 60 | Large corporations, wholesale, and manufacturing |
| Net 90 payment terms | 90 | Enterprise, retail, and government contracts |
Frequently Asked Questions
Is Net 45 common?
It is less common than Net 30 but standard in some industries, including wholesale, retail supply, and manufacturing, where buyers want more time to sell goods before paying for them.
Can I ask a Net 45 client to pay faster?
You can negotiate shorter terms for new contracts, offer an early payment discount, or ask for a deposit on large orders. Changing terms on an existing contract needs the client's agreement.
Related terms
- Net 30 Net 30 is a payment term meaning the full invoice amount is due 30 calendar days after the invoice date.
- Net 60 Net 60 is a payment term meaning the full invoice amount is due 60 calendar days after the invoice date.
- Early payment discount An early payment discount is a small percentage taken off the invoice total if the client pays before a set early deadline.
- Payment terms Payment terms are the conditions on an invoice that state when and how the client must pay.
- Aging report An aging report is a summary of unpaid invoices grouped by how long they have been outstanding, typically in buckets such as current, 1 to 30 days, 31 to 60 days, 61 to 90 days, and over 90 days past due.
This page is for general information only and is not legal, tax, or financial advice. Rules change and vary by location, so consult a qualified lawyer or accountant about your situation.