I always get paid in advance or the day of with my government
planners. Rarely have I had to wait. Also the paperwork depends on
who and where you speak. I'm so used to it and so is my staff that it
is a non issue for us.
I started putting a 2.5% pre pay incentive in my contracts (most
government agencies must take the incentive if it is offered. that
goes for corporate contracts also)
http://www.sgmp.org/ the application is there.