I'm a very small, home-based business. I am not a business woman... I am a woman who has a business.
I try to keep things light and friendly for as long as possible.
For larger value cakes, I ask for the balance 3 weeks before the date. I will leave it about 4 days after that day before I send something along the lines of:Dear.......
I hope you are well and that your wedding (or insert other celebration) plans are all going well.
I know there's a lot to organise in the run-up to a wedding, so I thought I'd just remind you that balance for your cake was due on xx/xx/xx.
I'd be grateful if you could let me have the balance of £xxx by xx/xx/xx. If a direct bank transfer is easier for you than a cheque, please let me know and I will let you have my account details.
They usually email straight back with an apology and a promise to put the cheque in the post that day ... which they do.
I've never had to take it any further than this.
Good luck with your non-payment!!