A date isn't held until money holds it. A verbal "we're booked" is how you end up with a hole in your Saturday and a client who "thought it was tentative." A clear deposit policy fixes that — here's how much to take, when, and the exact words to use.
The short answer. Most caterers take a deposit of 25–50% to reserve the date, with the balance due shortly before the event (commonly a few days to a week out). Put the amount, the percentage, the due dates, and a plain cancellation line on every quote. The policy isn't there to punish clients — it's there to make "yes" real.
How much deposit to take
There's no legal number, but the working band is clear:
- 25% — light touch, common for smaller or repeat clients. Enough to signal commitment.
- 30–40% — the sweet spot for most events. Covers a good chunk of your upfront food and prep costs if they vanish.
- 50% — for large events, peak dates, or new clients, especially where you're buying specialty ingredients or committing rentals well in advance.
A useful principle: your deposit should at least cover your non-recoverable upfront costs — the deposits you pay to rental companies, the specialty items you can't return, the date you turned other work away for. If a cancellation would leave you out of pocket, the deposit is too small.
Three deposit structures that work
1. Flat percentage (simplest).
30% deposit to reserve · balance due 3 days before the event.
Clean, easy to explain, works for most jobs. This is the default to start with.
2. Tiered by lead time.
30% at booking · additional 20% at 30 days out · balance due 3 days before.
Good for large events booked months ahead — it spreads the client's cost and keeps your risk covered as the date approaches.
3. Deposit + separate rental/staffing deposit.
30% food deposit · rentals and staffing billed and due at 14 days.
Useful when you're passing through big rental or staffing costs — it keeps those pass-through commitments funded separately from your food deposit.
The exact wording to put on the quote
Vague policies get argued. Specific ones get paid. Use plain, dated language:
Deposit: $425 (30%) to reserve your date. Your date is held once the deposit is received.
Balance: $990 due by [date], 3 days before the event.
Changes: Final guest count due [date]. Changes after that we'll do our best to accommodate.
Cancellation: Deposits are non-refundable within [30] days of the event, as ingredients and staffing are committed by then. Before that, the deposit transfers to a future date within [6 months].
That last line is the one that stops fights: it's firm, but it gives an honest reason and a fair off-ramp. Clients respect a policy that explains itself.
The sentence that closes it in conversation
When a client says "great, let's do it," don't leave it verbal. Say:
"Perfect — I'll hold [date] for you as soon as the deposit's in. I'll send the quote now; the deposit link is right on it."
That single sentence converts enthusiasm into a booking before it cools. The date is held by money, not by memory.
Make the deposit easy to pay
The best policy in the world stalls if paying the deposit is a hassle. The client just said yes — don't send them hunting for your Venmo. The deposit terms and a way to pay belong right on the accepted quote, so the reservation happens in the same moment as the decision. That's how CaterKit handles it: the deposit line and terms sit on the branded quote page the client accepts, so "yes" and "reserved" happen together (clients pay you directly — CaterKit never touches the money).
Deposits are part of a quote that wins
A deposit line isn't a bolt-on — it's one of the seven parts of a quote that gets accepted (see Catering quote template that wins jobs). And it protects the margin you carefully built into the price; a no-show on a job you priced right (see What a $2,500 catering job actually costs) is pure loss, which is exactly what the deposit is there to prevent.
When a client pushes back on the deposit
Most clients expect a deposit. When one hesitates, it's usually about trust or cash flow, not a red flag — handle it plainly:
- "Can I pay after the event?" For a new client, no. Explain honestly: you buy ingredients and commit staffing ahead of time, so a deposit is how the date is held. A client who won't put anything down hasn't really booked.
- "That's a lot up front." Offer the tiered structure — a smaller amount now, more at 30 days — so the cost spreads without leaving you exposed.
- Repeat clients you trust. It's fine to soften the deposit for a proven client with a history of paying. Just keep it in writing so the terms are clear either way.
A firm-but-fair deposit policy actually filters for good clients. The ones who balk at any commitment are often the same ones who cancel late — the exact risk the deposit exists to cover.
See a quote with the deposit built in
The clearest way to see how a deposit policy reads to a client is on a live quote. Open a sample — itemized menu, total and per-person, and the deposit terms right where the client accepts — and model your own policy on it.