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“Can I get a discount if I pay off the books”
Or another way to ask the same thing: “Do you mind taking all the legal risk so that I could save some money?”
I’ve met more than a few businesses that will give a discount for cash.
Cash discounts aren’t about it being ‘off the books’, however. That is because cash doesn’t incur a credit card fee, and they pass the savings to you. A good number of businesses will do that, I make sure to take advantage of it.