You probably have no choice. But the story would be the contractor should be able to finance its work. If it can not them maybe you should not deal with them. But then you might not find a contractor. I gave a deposit for some landscaping from a contractor who was active in the area and had a good reputation. But communications broke down including he did not deposit my check. I finally stopped payment and he then showed up that day to finish the discussion. He said he would start the work with no deposit. Long story short he did not show up and I hired another contractor and gave him a deposit (but I did know this person).
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