Blog
Practical notes on cash flow, credit and finance for people running UK SMEs.
Cash flow
Year-end cash checklist for UK small businesses: 12 checks before your financial year closes
A practical year-end cash checklist for UK SMEs: reconcile accounts, chase debts, map HMRC deadlines, review finance and build a 13-week forecast.
8 min read
- Cash flow · 8 min readSeasonal cash flow planning for UK businesses: how to get through the quiet monthsHow UK seasonal businesses can forecast the cash dip, build a buffer in peak months, time costs and tax, and decide when short-term finance makes sense.
- Applying · 8 min readWhat lenders look for in your business bank statements: a UK guideHow UK lenders read business bank statements: turnover, balances, returned payments and existing debt, plus a checklist to prepare before you apply.
- Cash flow · 9 min readVAT quarters and cash-flow gaps: how UK small businesses can plan for the VAT billWhy the quarterly VAT bill catches profitable UK businesses short, how to forecast it, which HMRC schemes can help and when short-term finance fits.
- Cash flow · 8 min readLate payment of invoices in the UK: your rights, statutory interest and how to get paid fasterWhen a UK business invoice is legally late, how to claim statutory interest and fixed compensation, and practical steps to get paid faster.
- Growth · 8 min readHow to fund business growth without giving up equity in the UKHow UK SMEs fund growth without selling shares: loans, revolving credit, revenue-based, asset and invoice finance, plus how to judge affordability.
- Business loans · 8 min readPersonal guarantees on UK business loans: what directors are really signingWhat a personal guarantee on a UK business loan means, when lenders call on it, capped vs unlimited guarantees, and what to check before you sign.
- Credit · 8 min readHow to build business credit in the UK: a practical guide for SMEsHow UK business credit files work, what lenders check, how directors' personal credit links in, and practical steps to build a stronger business credit profile.
- Applying · 8 min readShould you use a commercial finance broker in the UK? Costs, pros and consWhat a UK commercial finance broker does, how brokers are paid, FCA checks to run, and when applying direct to a business lender is the simpler route.
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