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You will probably also be subject to tax deductions if your work is on a construction site ( CIS) and retentions.
My advice is to try and agree fixed payment terms in advance including a deposit. I normally agree a fixed price lump sum for all my projects. This way you know what you will be getting. I then provide a very detailed breakdown of the method and costs so that if the work changes I can try and get extra money for a variation to the work.
Basically you do need to factor in that if you are working for a commercial client that probably has other trades involved you will need to allow more for delays and expect slower payments.
I hope this helps. Sorry if it seems negative but I am passing on what I have experienced in the past.
Good luck
Dom