Practical guides for UK directors — funding, cash flow, tax, insurance, and more. A small business guide hub built around the decisions that matter most.
Whether you run a limited company or work as a sole trader, each guide is written in plain English so you can find what you need quickly and get back to running your business.
Our business owner guides cover the essentials directors come back to again and again: managing working capital, understanding business credit and lending terms, planning for VAT and Corporation Tax, and choosing the right cover for your trade. Use the guides below to brush up on a topic before a decision, or come back when the situation changes.
Rate is the third most important thing about a business lender. Total cost, personal guarantees, speed, transparency and what happens when things go wrong — a checklist that catches the traps.
Read guide →The VAT quarter is due and the cash is in unpaid invoices. HMRC Time to Pay, short-term borrowing, and doing nothing — compared honestly, with a worked example.
Read guide →What security actually means on a UK business loan — charges, debentures and personal guarantees — what it costs to give, and when an unsecured loan is the better trade.
Read guide →Your limited company has its own credit file, separate from yours. Who compiles it, what feeds it, what lenders read, and the specific habits that build a strong company credit record.
Read guide →Invoice finance and term loans solve different cash-flow problems. How each works, what each costs, a side-by-side worked example, and a plain rule for choosing between them.
Read guide →What business borrowing looks like for a UK startup in its first two years: Start Up Loans, working-capital lending, asset finance and the trading-history problem — with a worked example.
Read guide →Public liability, employers' liability, professional indemnity, cyber, key person — what is legally required, what is genuinely useful, and what is over-sold.
Read guide →A first-principles guide to investing surplus money — for directors who want a sensible plan rather than a stock-tip spreadsheet.
Read guide →A startup funding guide for UK founders: grants, loans, equity, bootstrapping — the funding ladder for a micro-business, with honest pros and cons for each step.
Read guide →A practical directory of the UK organisations — public, charitable and commercial — that help small businesses with advice, training, finance and dispute resolution.
Read guide →Corporation tax, VAT, PAYE, self-assessment, dividend tax — the five obligations every UK limited-company director has to get right, explained in plain English.
Read guide →A practical guide to managing money in a UK micro-business: separating accounts, building a buffer, getting paid on time and watching the right numbers.
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