Investment,For,Msmes,Or,Small,And,Medium,Enterprises.,Provide,Capital

Invoice financing vs overdrafts: Which one closes your cash flow gap?

Sep 17, 2026

Cash tied up in unpaid invoices, with upcoming payroll and other business costs pending, can be frustrating and destabilising for many SMEs. With 41.8 per cent of SMEs experiencing late payments, according to an OECD 2024 report, credit facilities can help ...

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recruitment

Retention or recruitment – Which is more costly for your business?

Sep 15, 2026

Employment costs typically make up one of the biggest expenditures a business can face, meaning that cuts there feel inevitable for most owners when times get tough. However, the younger generations are already predisposed to job hopping and changes to the ...

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What are the most common payroll mistakes?

Sep 10, 2026

Doing payroll can be quite a tricky process for employers. With so many factors going into the process, it can be easy to make an error. It is important that employers understand that every payroll error affects a person. A late ...

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payroll

Three costly payroll compliance risks every small business needs to be aware of

Sep 08, 2026

Evolving compliance requirements mean the goalposts for payroll compliance are regularly moving and the risk of financial penalties is increasing. With HMRC marching towards automation, digital enforcement and stricter reporting guidelines, even well-meaning employers might find themselves breaking the rules. Understanding these ...

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More than a million pensioners now pay higher rate tax – Here’s what it means for you

Sep 03, 2026

New figures have confirmed what many retirees are starting to feel in their bank statements. The number of pensioners paying income tax at 40 per cent or 45 per cent has surpassed one million this current tax year, up from just ...

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vat

What does the end of the Great British Summer Savings scheme mean for businesses?

Sep 01, 2026

It is no longer just the grass that is brown as the changing seasons are being reflected on the leaves of the UK’s deciduous trees. While the leaves may begin to fall, the rates of VAT have now risen for many ...

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tax

You don’t own the business, but do you still owe the tax? HMRC ‘failure to notify’ penalties following a share disposal

Aug 27, 2026

If you are a shareholder in a company you have little involvement in, you might not realise a share disposal can trigger Capital Gains Tax (CGT). Shares might have been put in your name decades ago by a parent or a ...

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tipping

Tips for tipping – Does automation spoil business relationships?

Aug 25, 2026

Automation is often viewed by business owners as an effective way to improve profitability by cutting back on tedium so that more time can be spent engaging with high-value work. This has been fuelled by the rise in AI systems that ...

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Sole trader vs limited company for side hustles – Which is the most tax-efficient?

Aug 20, 2026

With many individuals starting a ‘side hustle’ to supplement their salary, setting up as a sole trader or limited company is the first big decision. Whether this is selling personalised jewellery on Etsy or re-selling clothes on Vinted, any gross income ...

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employees

Can your business afford the team you need to deliver growth?

Aug 18, 2026

To say that the UK economy is a bit of a mixed bag at the moment is something of an understatement, as the disparity between different businesses is resulting in an odd pattern emerging. Some businesses are continuing to function in ...

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