Hi girls and welcome to SAAFE.
I think the question of "what happens ......." Shows that every girl works differently. I NEVER take a client into my lounge, that is MY territory and not a place I want clients to be in. Many girls use their home for Incalls (I don't but still don't like clients anywhere other than the bedroom) and if girls are using their home for Incalls then you don't really want to have to depersonalise every room of your home.
The way I see it, my work is a business transaction and as my business takes place in the bedroom then there is no need for them to be anywhere else. A lot of girls like to use the lounge in order to eek out the booking and less time in the bedroom but that is up to each individual.
There is no room for embarrassment in our business and if the guy is not forthcoming with the money in the first 5 or so minutes, simply say as suggested "lets get business out of the way" then you can get on with things that need to be done.

Good luck.