®
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 awner guides cover the essentials directors come back tae again an again: managin workin capital, unnerstaundin business credit an lendin terms, plannin for VAT an Corporation Tax, an choosin the richt cover for yer tred. Use the guides belaw tae brush up on a topic afore a decision, or come back when the situation chynges.
Interest can be quoted as a daily rate, a monthly rate or an APR — and the same loan can look very different depending on which you read. This guide explains how business loan interest is actually calculated so you can compare offers on a like-for-like basis.
Read the guide →Secured loans are backed by an asset; unsecured loans are not. That single difference changes the rate, the speed, the amount, and the risk. This guide explains how each works and when each makes sense for a UK business.
Read the guide →How much a lender will offer your business comes down to affordability, not a headline maximum. This guide explains what determines your borrowing capacity, how lenders calculate it, and how to work out a realistic figure before you apply.
Read the guide →A revolving credit facility gives you a pre-approved pot of money you draw from and repay repeatedly — unlike a term loan, which you borrow once. This guide explains how revolving credit works, when it makes sense for a UK business, and how it compares to a standard business loan.
Read the guide →A business loan application that arrives well-prepared moves faster and tends to get better terms. This guide walks you through every step — from confirming the type of finance you need to having the right contact ready on decision day.
Read the guide →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 the 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 the 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 the 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 the 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 the 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 the guide →Public liability, employers' liability, professional indemnity, cyber, key person — what is legally required, what is genuinely useful, and what is over-sold.
Read the guide →A first-principles guide to investing surplus money — for directors who want a sensible plan rather than a stock-tip spreadsheet.
Read the 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 the guide →A practical directory of the UK organisations — public, charitable and commercial — that help small businesses with advice, training, finance and dispute resolution.
Read the 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 the 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.
Read the guide →