There are many advice centres for small businesses that can help pursue creditors and suggest formats for purchasing policy. There is legislation in place to support small businesses such as Late Payment Legislation that dictates that invoices must be paid within 30 days unless alternate arrangements have been agreed to previously. Small businesses benefit from being clear with their clients about their professionalism and being strict in following up with any problems receiving payments or otherwise. It takes a long time to build a reputation, but it pays off eventually. You can find plenty of advice here: www.businesslink.gov.uk