I turn away any job when the client refuses to pay anything up front. It sends a red flag. I also charge a scheduling fee which is non-refundable. I get 33 percent when I show up and begin work. Another percentage halfway through, and the balance upon completion after client is satisfied. There needs to be skin in the game for both parties as a measure of good faith. If you are dealing with a reputable company (did your due diligence, right?) why wouldn't you want to pay something as work progresses? We do this not only because we love to paint but we require cash flow to stay in business. There is not always 'money in the bank' as you suggest. It's tough these days. The suggestion buy 'Kim' 'Never pay a contractor a deposit' is nonsensical. http://youtube.com/e/b6_WEt9k_Hw
If you hire a contractor for a painting job, you’ll want some assurances in the form of guarantees or warranties.  Knowing the importance of warranties, some companies even give unrealistically long warranties such as 10 years, 20 years or even lifetime warranties. The sad fact is that most of these companies will be out of business long before their warranties expire. So what is a realistic warranty that you can trust? Here’s what you should look for in a great warranty:
One of the most important steps in selecting a painting contractor is reading ratings and reviews. This is the best way to know exactly what to expect from the company, based on what others have posted. From quality of service to timeliness, there’s a lot you can learn about a company before working with them, solely from reading online reviews. And since these reviews are organic (not paid for by the company—hopefully), you can trust that they are honest and truly reflective of the painting contractor’s work. 

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