You are not a bank!

"Q. What one thing should I do every month to help my business succeed?

A. Every business must make a profit. But even profitable businesses can fail if customers don't pay on time since they may not have the cash in the bank to meet their own bills. Every month, identify customers who haven't paid you on time, known as "aged debtors", and chase them. Remember that you are in business to make money and not to lend it - you are not a bank!"

That's from the The Independent Online SME section.  Great to see that they have a dedicated SME section and it's not just large company news.  The advice is good as well, but for more help in this area click here and see below.