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Business guides

Our business guides cover a wide selection of topics, ranging from insurance to getting the best business utility tariffs. Our guides can help you cut some of your company's everyday costs.

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How to refinance a business loan: A simple step-by-step guide

Discover how to simplify debt management by securing better loan terms for your business. Follow these key steps to improve cash flow and save money.

Term loans explained: How they work and when to use one

A term loan lets you repay a lump sum of cash over a fixed term, but is it right for your business?

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What is purchase order financing? Everything you need to know

Purchase order financing can provide a vital cash lifeline for SMEs chasing big orders. Find out more with our quick guide.

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Invoice factoring explained: How it works and what to consider

If your business relies on invoicing, invoice factoring can provide early access to customer payments, helping to improve cash flow.

Businessman sits at a desk and contemplates his paperwork

What is invoice discounting and how does it work?

Discover how you could improve your company’s cash flow by borrowing against your unpaid invoices.

VAT loans: A practical guide for UK businesses

Need help with your VAT bill? Short-term VAT loans can cover essential tax payments and keep your business on track.

A businessman runs calculations while reviewing paperwork

Business finance explained: How to choose the right funding for your business

Explore the key types of business finance, why they matter and how to find the right funding option for your business needs.

Blurring the lines between personal and business transactions can expose your personal finances to unnecessary risk.

7 reasons why it’s time to switch from a personal to a business bank account

Switching to a business bank account isn’t just about looking professional – it can simplify your finances, protect your assets, and unlock tools to help your business grow.

Invoice finance explained: A simple guide for SMEs and startups

Invoice finance could be an easy way to boost business cash flow if you regularly invoice clients.

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Merchant cash advance explained: A guide for small businesses

A merchant cash advance offers a flexible alternative to a business loan – but is it right for you? Discover the pros and cons in this helpful guide.

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Asset-based lending: what is it and how does it work?

Find out how you could use business assets to help you secure a loan.

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What is asset finance? Everything you need to know

Discover how your business could access new equipment or vehicles with minimal upfront costs.

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Working capital loans explained: a practical guide for SMEs

A working capital loan can help to cover the day-to-day running costs of your business. Find out more with our five-minute guide.

What is a revolving credit facility and how does it work in the UK?

Discover what a revolving credit facility is, how it works, and how it can help manage cash flow for your business.

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Cash flow loans: the ultimate guide for small businesses in the UK

Learn how cash flow loans can help your business bridge financial gaps. Discover how they work, their benefits, eligibility criteria and how to apply.

Late payments are something that many small businesses cannot afford

Late payments can put SMEs at risk – these nine steps can help protect your business

With the cost of running a business rising and tax payment deadlines approaching, late payments can create significant challenges for SMEs.

Two-thirds of SMEs have economic concerns about 2025 – here’s how to survive the squeeze

How businesses can navigate this complex landscape, protect their margins, and continue to grow in a difficult economic environment.

How SMEs can strategically adopt AI – without losing sight of core business needs

Rushing into AI adoption without a strategy can hurt small businesses. The true role of AI is in supporting, not replacing, business fundamentals.

Why it can pay for small businesses to go green

Wondering about the benefits of going green? Here's what you need to know

Woman working late at night at her drop-shipping business.

Business credit score: what it is, how to check it and ways to improve yours

Having a good business credit score can help you secure finance and negotiate better deals. Discover practical steps to boost yours today!

A hand works on a digital screen displaying 2025

The top seven small business trends to watch in 2025

Discover the seven small business trends in the UK for 2025, including green incentives, digital tax changes, and artificial intelligence.

Tradesman working on his laptop in his studio.

8 practical tips to separate your personal and business finances

Discover how to differentiate your business and personal spending with this essential five-minute guide.

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Small business insurance: everything you need to know

Accidents, incidents or legal claims can have a devastating impact on small businesses, which is why it’s so important to have the right cover in place.

Notepad with VAT written on it. Beside it on the desk is a cup of black coffee a form and a calculator.

What is VAT and how it works: A clear guide for business owners

If you run your own business, make sure you understand when you need to register for VAT and how to submit your VAT return.

Tax advisors vs tax accountants: which should you choose?

Do you need help with your small business taxes? In this guide, we explain how a tax adviser or accountant could ensure you don’t pay more than you owe.

How to register for VAT: a step-by-step guide for small businesses

Follow our easy-to-follow guide to registering for VAT.

Businesswoman working on a laptop in a workshop at night.

7 need-to-know legal requirements for sole traders

Understand key legal obligations for sole traders, from tax registration to record-keeping, to keep your business compliant and running smoothly.

How much should I save for taxes? A practical guide

Whether you’re self-employed, a sole trader or run a limited company, it’s vital to save enough money to pay your annual tax bill. Here’s how.

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9 essential legal requirements for starting your business

Learn key requirements for starting your business, including choosing a structure and tax obligations, to ensure you're trading legally.

Pros and cons of being VAT registered: key factors to consider

If you’re considering registering for VAT, be sure to weigh up the pros and cons first.

Business woman frowning as she reviews paperwork.

Business tax in the UK: 7 key types you need to know about

Confused about business tax? Learn more about the types of tax your business needs to pay and how to make payments.

Corporation tax in the UK: What businesses need to know

Learn how to calculate and reduce your corporation tax bill. This guide provides all the tips on allowances and reliefs you need.

Business man working on his laptop in his joinery workshop.

What is the VAT registration threshold? A guide for UK businesses

Understand when you need to register for VAT as a business and the consequences if you don’t.

Two female business owners look on with confidence in a festive environment

Six tips for small business success during the holiday rush

The chaos of the holiday season has the potential to boost your business profits and help build a loyal customer base for the new year.

A hand holds a pen while going through a checklist

Financial year-end: essential checklist for small businesses

The end of the financial year can be stressful, but you can reduce the pressure by organising your business affairs in advance.

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UK business licence guide: does your company need a licence?

Find out if your business needs a UK licence. This guide covers all the requirements and licence types and explains how to apply and stay compliant.

A business owner on the phone in a festive workplace

Managing cash flow during the festive season: small business tips

The festive season can be uncertain for small businesses, but you can take steps to stay in control of your finances.

Older businessman working from home on his laptop.

When to register your business in the UK

Discover when to register your UK business as a sole trader or limited company with this straightforward guide to the key requirements.

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The 4 main types of UK business structures explained

Starting your own business but not sure which type of business structure to use? Our guide explains all you need to know.

Two business partners discuss their work.

The 7 types of business ownership and the right one for you

Learn about the different types of business ownership in the UK and what you need to consider before choosing the right structure for you.

How to register as self-employed in the UK: A complete guide

If you’re setting up your own business, registering as self-employed is an essential step to getting started.

Electrician checks wiring on a construction site.

How to set up as a sole trader: Your practical 9-step checklist

Make sure you understand the rules and regulations that apply when setting up as a sole trader.

How to set up a limited company in the UK: A step-by-step guide

If you’re setting up a limited company, it’s important to understand the rules you need to follow as part of the process.

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7 tips for choosing the perfect business name

Get the know-how to create a standout company name. Discover how to craft a name that’s memorable, consistent and ideal for your business.

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How to use AI safely and responsibly in your business

Artificial intelligence (AI) offers businesses a range of efficient ways of working, but it’s not entirely risk free.

Can you be employed and self-employed at the same time?

More and more people are boosting their income by starting a side hustle. Here’s how you can earn extra cash alongside your main job.

Business man working from home contemplates his laptop.

Sole trader vs self-employed: Key differences explained

All sole traders are self-employed, but not all self-employed business people are sole traders. This guide explains the differences.

Thoughtful business woman doing paperwork from home.

How to register a business name in the UK in 7 easy steps

Learn how to register a business name in the UK with our simple step-by-step guide.

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The next 6 steps: an essential checklist for new limited companies

Registering with Companies House is just the start. Explore the key steps every new limited company needs to take to get up and running.

What do the new workers’ rights proposals mean for your business?

The government recently published draft legislation outlining proposed changes to the Employment Rights Bill. Here's how it might impact your business.

Sources of funding for your business: top options explained

There are plenty of sources for business finance around if you know where to look. Explore all the available options with our complete guide.

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Startup funding: 10 realistic ways to raise money for your business

Discover 10 effective ways to fund your business, including loans, investors, crowdfunding, and grants, with insights to help you choose the best option.

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Peer-to-peer lending: what business owners need to know

Learn how peer-to-peer (P2P) lending can benefit your small business, with key insights into the application process, interest rates, and more.

A potter calculates the costs of running a business.

Startup costs: how much money will you need for your business?

Startup costs vary widely depending on the type of business you want to set up. Here’s how to work out how much money you need to fund your business plans.

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Venture capital for startups and small businesses explained

Discover how venture capital can fuel your startup’s growth. Our guide offers key insights and tips to help you create a winning pitch.

Equity crowdfunding for startups: what it is and how it works

Explore equity crowdfunding with our comprehensive guide. Uncover its benefits, risks and potential to help your business with investor support.

An older businessman shakes the hand of a young entrepreneur. Two colleagues applaud from the sidelines.

Angel investors: how to secure funding for your startup

Angel investors, wealthy individuals investing in startups, offer vital funding opportunities for new businesses. Here’s what you need to know.

Five business people feed coins into a single piggy bank.

Crowdfunding: a guide for startups and small businesses

Discover how crowdfunding can help your startup or small business raise funds from people rather than traditional financial institutions.

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Debt vs equity financing: key differences for small businesses

Discover the differences between debt and equity financing. This guide outlines pros and cons, helping small businesses choose the best path for growth.

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Debt financing explained: is it the right choice for your business?

Explore our guide to debt financing for small businesses and whether it’s right for you. Learn about its benefits, drawbacks and top funding sources.

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Startup and small business grants in the UK: your complete guide

It takes more than enthusiasm and hard work to make a business work, which is where grants for UK-based startups and small businesses come in.

A sole trader smiles holding raw materials for her business

What business expenses can self-employed people claim?

If you’re self-employed you may be able to offset business expenses as part of your tax returns.

The pros and cons of using your own money to start a business

Self-funding allows you to maintain control of your business and avoid debt, but there are downsides, too, as this guide explains.

Small business owner smiles in his barber shop

What does the 2024 budget mean for your small business?

The first Labour budget in 14 years has been unveiled by chancellor Rachel Reeves. Here’s what it means for small businesses.

6 ways the Autumn Budget could impact small businesses

Labour’s long-awaited first budget is coming up and rumours are circulating about what might be announced for small businesses.

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How AI can boost small business growth

Artificial intelligence (AI) is a powerful tool that’s here to stay - so how can you use it to help fuel growth for your business?

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What is market research and why it matters for new businesses

Discover how market research can help you better understand your customers and competition and get to grips with the latest market trends.

A smiling businessman leaning back in his seat with his hands behind his head.

9 key sections of an effective business plan explained

Create a successful business plan to turn your ‘eureka’ ideas into reality. This guide outlines all the essential elements you need to include.

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How to define the target market in your business plan

All businesses need a target market. But how do you work out who your target market is? Find out with our comprehensive guide.

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7 crucial mistakes to avoid when writing a business plan

A business plan can boost your firm’s chances of success, but get it wrong and you could damage your company. Here’s what to avoid when writing your plan.

A craftswoman looks out of the window of her workshop and thinks about the future.

How to write a business plan for a loan: a step-by-step guide

Many lenders require a strong business plan before approving a loan. Learn what to include to boost your chances of success.

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How to do market research for a small business in 7 simple steps

Whether you’re a startup, launching a fresh product or just want to improve, market research connects you with your customers. Here’s how to do it.

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What is a business plan and why every entrepreneur needs one

Crafting a business plan boosts your chances of running a successful business and helps secure funding for your venture. Begin developing your plan today.

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What is a cash flow forecast and how can you create one?

Discover our 4-step plan for creating a cash flow projection for your business plan.

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How to create financial projections for a business plan in 6 steps

The financial forecast is a crucial part of every business plan. Learn how to create one and the key details you need to include.

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How to write a business plan executive summary in 5 steps

Learn how to write an effective executive summary for your business plan that clearly communicates your key points in just 5 steps.

How SMEs can tackle late invoices with the new Fair Payment Code

Unpaid invoices and the time it takes to chase late payments puts a heavy burden on small businesses - the new Fair Payment Code aims to help.

Shopkeeper behind his counter ponders his business opportunities.

What is cash flow and why is it important to a small business?

Find out how to stay on top of your cash flow and why it’s a crucial part of running a business.

How The Bank Of England Base Rate Could Impact Your Small Business

The base rate is set by the Bank of England and affects borrowing and interest rates. Here’s what you need to know about how it could impact your business.

Small business owner pondering a decision.

Pros and Cons of a Business Savings Account

Opening a business savings account can be hugely beneficial, but it also has its downsides. Find out if it’s right for you with this essential guide.

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Public vs employers' liability insurance: key differences explained

Do you need both public liability and employers’ liability insurance? Find out how they differ and which your business needs in this no-nonsense guide.

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Public liability insurance for the self-employed: the essential guide

Public liability insurance protects your finances if the worst happens. Find out what it covers and why it’s so crucial for sole traders.

Start-up team of entrepreneurs discussing a joint project.

Insurance for startups: a guide to protecting your business

All you need to know about buying the right type of business insurance for your startup.

What is business insurance and why is it so important?

Business insurance can protect your company from financial losses if something goes wrong. Here’s how it works.

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How much business insurance costs and how to save money

Discover the main factors that determine how much your business insurance costs and how you can lower your premiums

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Public liability vs professional indemnity insurance: key differences

Public liability and professional indemnity insurance protect against different types of compensation claims. We explain how they differ and when you might need them.

A woman in pain after falling down steps.

Public liability insurance for small businesses explained

Discover how public liability insurance can protect your business if it accidentally harms a member of the public or damages their property.

A worker closes their laptop as a clock displays 5pm

What Flexible Working Rules Mean For Your Small Business

Employee rights and business obligations change all the time. How do the flexible working rules affect your small business? What might change under Labour?

A businessman working on a laptop, considering what's on his screen.

Your Guide to Business Bank Account Charges

Understand the one-off fees due when opening a business bank account and how to minimise them to keep your costs low.

A businessman on a laptop reviewing company finances.

How To Use a Business Savings Account Effectively

Find out how to use a business savings account to build a savings pot for your company with our five-minute guide.

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How to Manage a Business Bank Account With Multiple Directors

If your company has more than one director, you need to set up your banking so that the right people have access. Find out how in this complete guide.

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Understanding Foreign Transaction Fees for Your Business

Trading internationally? Learn how to reduce foreign transaction fees and save on overseas financial dealings with these essential strategies.

A businessman puts coins into a piggy bank.

How To Save As a Business

Discover 10 money-saving tips that can boost the financial efficiency of your company.

Business co-workers reviewing their bank statements.

Your Guide to Business Bank Account Monthly Fees

Opening a business bank account? Discover the ongoing fees you might face and how to limit what you pay.

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Setting Up a Standing Order for Your Business

Standing orders can streamline your business payments. Discover how to set them up to automate your company’s regular payments.

A business owner analysing financial data in a modern office.

How Much Should Your Business Have in Savings?

Business savings are a must. Without cash to draw on, your company may not survive unexpected challenges. Here’s how much your firm needs in reserve.

Small business owner working with a laptop computer behind the counter of a cafe.

What Is a Business Savings Account?

Opening a business savings account allows you to earn interest on any spare cash your business has. Learn more about the different options available.

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How A Card Machine Can Transform Your Side Hustle

A card machine might not be the first thing you think of when setting up your side hustle, but using one can transform your new business.

How to Find and Nurture Relationships With Angel Investors

Angel investors can provide crucial funding for small businesses. Here’s what you need to know to secure angel investor funding in the UK.

Bootstrapping for Startups

Find out how bootstrapping could help get your new business off the ground.

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