Upload & Sell: Off
I had a dad come in to pick up $400 (in 1984 money) worth of Senior portraits of his daughter. He loved the results, then asked: "Can I charge it?" I replied: "We accept cash, check or credit card." He said no, he wanted to set up a charge account. I told him I'd be glad to allow him to pay for them over three months, interest free. As soon as they were paid, he could pick them up. He said, "I can't take them with me?" No was the answer. He shrugged his shoulders, took out his wallet and plunked 4 $100 bills on the counter. That was less than half of what was in his wallet. I found customers will follow your business rules if you stick to them.
If you need to bend the rules to get the work to make ends meet, you need to re-evaluate your business model. How much research have you done? I shot my first wedding for money in 1968. Although I changed careers in 1987, I kept up with the business through friends. From what I've seen over the years, I can think of no worse time to try to do photography as a profession, especially wedding photography full time.