Payment Plan Offer Email for an Overdue Invoice

When a client genuinely cannot pay in full, a short written payment plan usually beats months of silence. You set the structure, they confirm in writing, and you track each installment.

Free template

Replace every [bracket] before sending.

Hi [Client Name],

I understand cash flow can be tight. To get invoice [Invoice #] ([Amount]) settled, I can offer this plan:

- [Amount 1] by [Date 1]
- [Amount 2] by [Date 2]
- [Amount 3] by [Date 3]

If that works, please reply "I agree" and I will send a link for the first payment. If an installment is missed, the remaining balance becomes due right away.

Thanks for working with me on this,
[Your Name]

Structure it simply

• Two to four installments, dated, over weeks rather than months.
• First payment soon, ideally within a week, to show good faith.
• Say what happens if an installment is missed (for example, the full balance becomes due), if your terms allow.
• Ask them to reply "I agree" to confirm.

Free mini-pack: 3 more follow-up templates (HTML + PDF), no signup.

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Practical communication guidance only, not legal advice. Payment terms, late fees, and collection options depend on your contract and jurisdiction.