A little more than a year ago, Marcos Haddad, owner of Sao Paulo company Cafe Editora, did what most small business owners in Brazil did: He and his partner used a personal credit card to pay publishing debts. But company expenses were mixed with purchases from the supermarket, for clothes, school supplies and other personal expenses.

"The result was out-of-control accounts, because we had lost many invoices, and the fact that company purchases were not separated made having detailed expenses impossible," says Haddad, whose company has eight employees and annual ...

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