Average payment times for Australian firms is 53 days after the invoice is submitted, but it can extend to as long as 90 days. At times, the small business owner has had $500,000 of payment outstanding, which can be difficult to manage when payments are extended to 90 days. In these cases, the small business has to fund shortfalls out of its own pocket. Late payments have also been a contributing factor to the reduction of staff working hours. The small business believes that a termination for convenience clause is included in contracts with big businesses, so they can just get rid of small businesses for any reason. This makes it difficult for small businesses to chase late payments for fear of losing the contract.