Faith Smith has been cracking down on late-paying customers at Eyes Cream Shades, which sells children's sunglasses to gift shops and other stores. She, like other small-business owners, has seen an increase in delinquent payments in the past year and a half. Smith instituted late-payment fees, began selling more products through distributors and now asks new customers to fill out a credit application. But her strategies carry some risks, experts say.

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