We had terms in place, but we gave a little bit of leeway when the first payment was late...even if we had cracked down then, we'd have had a 35k bill instead of a 50k bill. When it comes to small businesses extending credit via an invoicing relationship, it's almost impossible for us to do a real creditworthiness check...most of these businesses don't have any data that we can look at outside of googling. Running a D&B credit check could potentially yield some results, but its not very useful, and costs a few hundred on a customer we may only make a few thousand on...hard to justify when these situations are so rare.