I am a small business with no employees, to keep the cost down for my customers. I have a number of colleagues that I work with on larger jobs who specialize in everything from plumbing, HVAC, drywall, etc. I bill for materials before the start of the job. Billing for larger jobs will be broken down accordingly. Payment is due upon completion of work. I warrant all of my work for one year from completion. I don't finance jobs.