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Business insights

Business insights

Explore the latest insights, expert analysis and commentary from money.co.uk on trends and developments currently affecting the UK's small business owners.

Could simpler reporting give small businesses more time to grow?

From cutting paperwork to making digital reporting the default, the Government wants to make corporate reporting simpler. Here’s what it could mean for SMEs.

Six in 10 UK businesses investing in ways to cope with extreme heat

Rising temperatures are creating new operational challenges for UK firms, impacting everything from workplace comfort to profitability.

Small businesses are still being left behind by the skills system

A new report from the Federation of Small Businesses (FSB) has highlighted some of the barriers small firms face when recruiting and developing young talent.

When intentions and actions don’t align: the impact on business leaders

Being a business owner can mean making decisions that don’t always match your original plans. And research suggests this can have an emotional impact.

One in five UK SMEs aspire to make a positive social impact

Research suggests more than a million UK SMEs could transition to social enterprise. But what does that mean for the way a business operates?

The rise of shadow AI in small businesses

Artificial intelligence is becoming part of everyday work. For many SMEs, a crucial challenge is keeping up with how employees are using it.

The government’s business agenda: what comes next?

During the early days of his premiership, Andy Burnham has highlighted the role of small businesses in the government’s economic plans.

What Andy Burnham’s “local first” premiership could mean for small businesses

Burnham’s transition to Prime Minister signals a shift away from Westminster-centric economic policy. Here’s what that could mean for SMEs.

What the government's latest lending reforms mean for small businesses

Thousands more UK businesses could soon find it easier to access finance after the government announced a landmark package of small business lending reforms.

Why small firms can’t afford another year of ‘wait and see’

Small businesses have weathered years of disruption, but rising costs and ongoing uncertainty are making it harder for them to plan ahead.

The big impact of small funding: how far could £1,000, £5,000 or £10,000 take your business?

For many aspiring entrepreneurs, a relatively small loan of between £100 and £5,000 could be enough to turn an idea into a working business. But getting hold of that money isn’t always easy.

The missing entrepreneurs: why thousands of would-be business owners never take the leap

A new Government-backed report says many aspiring founders are being held back by a lack of savings, limited access to finance and low financial confidence.

UK SMEs are seeing growth, but late payments are still holding them back

Despite recording their strongest profit growth in four years, data shows nearly half of all invoices to UK SMEs are paid late, highlighting how cash flow delays continue to curb ambition.

What rising demand for debt advice tells us about the pressures facing SMEs

The government is putting £4 million into expanding business debt advice services. Here’s what the growing demand for that support tells us about the pressures facing small businesses today.

How UK small businesses are balancing caution, confidence and growth in 2026

Research by Barclays has found that confidence among UK small businesses is holding firm despite geopolitical shocks, rising costs and shifting trading conditions.

Four in five UK small business owners say they’re happy (despite ongoing economic pressures)

Despite rising costs, tight margins and limited government support, the UK’s small business owners are reporting high levels of contentment.

Slow card machines may be costing UK SMEs thousands a year, money.co.uk survey finds

Nearly half of SMEs with card payment systems say slow card machines are losing them sales, with most losing over £2,500 a year, a money.co.uk survey found.

Remote workers are struggling to switch off, and managers may hold the key

A new study has highlighted how home distractions can affect remote workers’ wellbeing and productivity, and suggests clearer boundaries and managerial support are key to making flexible work effective.

Cash flow is taking a toll on SME leaders’ focus and decision-making

Research has found that the constant juggle of liquidity and working capital is costing business owners more than a month of productivity every year, forcing many to pause growth in order to focus on survival.

Strength in numbers: how local collaboration is helping UK high streets

Shoppers desire community, not just convenience. From shared loyalty cards to joint events, the UK’s small businesses are working together to turn local errands into high-value experiences.

Why late payments are becoming more than just a ‘bad client’ problem

Payment delays are no longer confined to a few unreliable customers. As costs rise and cash flows tighten, late payments are becoming a more widespread pressure across SME supply chains.

2 in 5 SMEs unprepared for Making Tax Digital as first filing deadline approaches

Xero research suggests many SMEs are still unclear on key requirements, but the right mix of accounting software and business banking tools could ease the transition.

How rising costs are reshaping hospitality, and what small businesses can learn

As costs climb, the UK’s hospitality businesses are taking steps to protect existing operations, offering insights into how small firms can manage uncertainty while keeping growth options open.

Is this the end of the late payment norm?

The government has announced sweeping new powers to tackle late payments, from enforced fines to a 60-day cap on payment terms. Here's what's changing, and what it means for small businesses.

81% of SMEs missed growth opportunities last year. Here’s what’s driving the funding gap

The majority of UK small businesses ended 2025 having missed at least one significant growth opportunity. And the reasons are more nuanced than rising costs alone.

What the latest lending data reveals about small business strategy

New data shows small business borrowing is up more than 25% in a year. Here’s what the numbers reveal about how SMEs are funding growth and planning strategically.

VAT loans: the overlooked finance option helping SMEs manage cash flow

A large VAT bill can disrupt cash flow, particularly for small businesses with uneven income. VAT loans allow you to spread the cost, but how do they work, and when do they make sense?

SMEs urged to ‘lock the door’ on cyber criminals. Here’s how to do it

Cyber crime costs UK businesses £14.7 billion a year, with half of all SMEs targeted in the last 12 months. The government’s new “lock the door” campaign has been designed to help small firms shut out attackers.

The business savings audit: is your cash working as hard as it could be?

Many SME owners keep business savings in the same place as their current account for one reason: it’s easier. But as the gap between entry-level business rates and specialist savings products widens, this approach could be impacting margins.

SME pressures now rival Covid-era levels, says parliamentary report

UK SMEs are under pandemic-level pressures. A new parliamentary report report has called for coordinated action to support small businesses.

From AI to red tape: What the UK’s 2026 business priorities mean for SMEs

MPs have identified seven priorities that could affect everything from hiring and regulation to funding and technology adoption. Here’s what small business owners need to know.

Think you’re insured? Why many SMEs only find out they’re not when it’s too late

Insurance shouldn’t be a set-and-forget task. Many small businesses face financial risk because policies are outdated or incomplete. Fortunately, a few practical steps can help ensure protection matches evolving business needs.

Tax is no longer a once-a-year job, and SMEs are spending £4.8bn on software to stay compliant

Making Tax Digital is changing how small businesses manage tax. Many are investing in digital tools to meet the new quarterly reporting requirements, and the shift is altering how finances are tracked and managed throughout the year.

Want to be crowned the UK’s first Town of Culture? Look to your small businesses

Small businesses are at the heart of what makes a town feel alive. Their everyday work shapes communities, connects people, and builds the pride that the new UK Town of Culture competition aims to recognise.

Why small business owners are eternal optimists (even in tough economic times)

Optimism remains a defining trait of UK entrepreneurs. Data shows SME owners are entering 2026 with growth on the agenda – but access to finance remains a stumbling block for some.

Why getting tough on late payments matters for every small business

When invoices go unpaid, it’s small businesses that feel the pain first. With late payments shutting down 38 UK firms every day, tougher enforcement can’t come soon enough.

The seasonal reset: How to turn slower trading weeks into a strategic advantage

For some sectors, the start of the year is breathless; for others, the phones stop ringing. Here is how to use a seasonal lull — whenever it lands — to prepare for a stronger year ahead.

Metrics that matter (but don’t show up in your accounts)

As 2026 looms, it’s worth taking stock of the progress that can’t be captured in a spreadsheet.

The ghost of January future: How to survive the post-Christmas cash flow crash

For many small businesses, festive trading brings a welcome boost, followed by a familiar early-year slowdown.

The hidden cost of entrepreneurship: Why small business owners need support this Christmas

Festive cheer can sometimes feel out of reach for small business owners. New research reveals the hidden emotional toll of running a business.

The trust economy: Why consumers are choosing small businesses (even in a cost-of-living-crisis)

When budgets tighten, loyalty becomes selective. Small businesses are coming out on top not by undercutting prices, but by offering something money can’t buy.

How small businesses can turn festive support into year-round success

The festive season can bring a surge in sales and community backing, but how can small businesses turn that seasonal goodwill into lasting success?

Beyond the high street: Why Small Business Saturday matters more than ever

Small Business Saturday is more than a shopping opportunity – it’s a chance to vote with our wallets for the kind of communities we want to live in.

Small exporters are being left behind, and it's putting growth at risk

New data reveals a growing divide in UK exports. While large firms are seeing growth, micro-businesses are being left behind.

Relief at last? How business rate reform could help small businesses thrive

The government’s upcoming Budget promises changes aimed at easing costs, supporting growth, and giving high streets a chance to thrive.

The SME blind spot: Why it pays to know your business credit score

Many small business owners overlook their business credit score, even though it can affect access to financing, supplier terms, and growth opportunities.

Why the best USP isn’t a clever tagline

Forget the race to sound unique. The businesses that really stand out aren’t the loudest – they’re the ones that quietly deliver, day after day.

Why only 15% of UK small businesses achieve sustained growth – and how yours could be one of them

Behind every growth statistic is a story of resilience, risk, and resourcefulness. Here’s what the UK’s most consistent small businesses are doing differently, and how you can follow suit.

From stress to stability: A guide for the 1 in 3 UK entrepreneurs losing sleep

Long hours and rising costs don’t have to define entrepreneurial life. With the right tools and strategies, business owners can cut stress

Pride in Place: What the government’s new £5bn programme means for small businesses

With local communities set to take the lead on regeneration, small businesses across the UK have the chance to shape projects, form partnerships, and future-proof their operations.

Why SMEs are ready to embrace Digital Company IDs

Research shows 85% of UK small businesses would pay for a Digital Company ID to slash their admin burden and reduce fraud risk.

How Britain’s high streets are making a comeback – and who’s driving it

Britain’s high streets are bouncing back, driven not by nostalgia, but by a new generation of shoppers who value community, connection, and unique local businesses.

The UK side hustle boom (and why tax planning matters)

Over a third of UK businesses now start as side hustles, turning weekend hobbies into income-generating projects.

Why Gen Z could transform the UK’s small business landscape

Gen Z has the ideas, drive, and confidence to become the UK’s next wave of business owners, but access to finance remains a key barrier.

Sustainability is stalling for SMEs, but the green opportunity is still there

Research by Aldermore Bank shows UK SMEs are falling behind on net zero goals, with only 13% currently on track.

Why every business win deserves a celebration

In the rush of running a business, it’s easy to overlook wins. But pausing to celebrate progress can boost motivation and drive growth.

Why rising UK business confidence matters for SMEs

With UK business confidence at its highest since 2015 and borrowing costs at a 16-month low, SMEs have a rare chance to expand before conditions shift.

Six side hustle realities no one talks about

Whether it’s offering freelance services, or setting up an online store, more people than ever are turning a few spare hours into an extra income stream.

Mind the AI gap: Why SMEs could risk falling further behind

AI adoption is accelerating across larger companies, leaving many small businesses at risk of losing ground.

Is your business ‘loan ready’? How lenders really assess SMEs

From creditworthiness to cash flow, here’s how to get your ducks in a row before applying for a business loan.

Democracy at work? 46% of UK employees say they perform best when involved in decision-making

Our data highlights why SME leaders should rethink how they engage with their teams.

Navigating quiet periods: 6 tips for small businesses facing seasonal dips

Summer brings sunshine, school holidays, and, for many a small business owner, a potential dip in activity.

This is why your business name matters

The right business name builds trust and sets you apart, while the wrong one can confuse customers or harm your brand.

5 strategies for future-proofing your small business against rising costs

As we move through 2025, small businesses across the UK are facing mounting cost pressures.

What the government’s new housebuilding reforms mean for small business owners

The government has unveiled a sweeping package of reforms aimed at smaller housebuilders, and it could be good news for small businesses across the board.

Cyber attack crisis comms: What small businesses should (and shouldn’t) do next

Cybercriminals are increasingly targeting smaller firms, often because they lack the defences of their larger counterparts.

Fraud, hacks and data leaks: Is your small business really covered?

Think you’re too small to be hacked? Think again. From phishing scams to ransomware attacks, cybercriminals are targeting SMEs in record numbers.

The UK’s enduring love affair with small businesses – and why it matters for retail entrepreneurs

Small businesses have long shaped the UK’s economic and cultural landscape. And, in retail, their influence is especially visible.

How finance can help UK SMEs stay ahead on sustainability

UK SMEs are making real headway on the road to decarbonisation, and are currently outpacing many of their European peers. But limited access to capital remains a major barrier for those looking to go further, faster.

UK Government’s export roadshows: A much-needed boost for small business ambitions

Designed to get SMEs face-to-face with international buyers and trade experts, the roadshows will travel across the UK in the coming months.

How bookshops are writing a new chapter for UK small businesses

Once thought to be on the brink of extinction, independent bookshops are thriving once more, and offering valuable lessons for small businesses everywhere.

Tariff uncertainty: How UK small businesses can take back control

Tariffs can impact small businesses, even if you don’t directly import or export goods. However, there are steps you can take to keep your business running smoothly.

Should your business go cashless? Pros, cons and costs

While going cash-free offers clear benefits for some, it’s important to contemplate the potential downsides too.

Why Stress Awareness Month matters for small business owners

Stress and poor mental health are among the UK’s most pressing public health challenges. Yet, for small business owners, managing stress is not just about personal well-being – it can directly impact their business' success.

The government is calling on SMEs to share finance challenges – make sure your voice is heard

As part of a new consultation that could shape future policy, the UK government is seeking insights from small businesses.

What does the government's new SME growth plan mean for your business?

The government has unveiled a revamped Board of Trade and a new SME strategy aimed at helping the UK’s 5.5 million small businesses access finance, boost exports, and scale up.

The UK’s small manufacturers are being urged to scale – and grants could help make it happen

SMEs make up 99% of UK manufacturers, but many struggle to scale. Understanding available support and new grants could unlock their potential and accelerate growth.

How small businesses can build lasting financial stability

For all SMEs, financial stability is the key to long-term success.

63% of SMEs say taxation is their biggest challenge – here’s what can be done about it

Many SMEs are on the lookout for ways to mitigate rising costs while remaining competitive

Why small businesses need to rethink their approach to cybersecurity

Many small and medium enterprises (SMEs) think they’re too insignificant to attract attention from cybercriminals. But this is simply not the case.

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.

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

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.

For small business owners, December is a time of reflection and preparation.

Christmas is the perfect opportunity to look back on the year that has passed, celebrate your achievements, and set your goals for the future.

The annual viral success of Spotify Wrapped offers valuable lessons for small businesses.

By leveraging customer data and crafting shareable, personalised experiences, you can engage and retain your audience while boosting brand visibility and loyalty.

The annual viral success of Spotify Wrapped offers valuable lessons for small businesses.

Small business owners face a constant battle with information overload, and the government’s AI chatbot is stepping in to assist.

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.

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.

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.

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.

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.

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?

What Is An Umbrella Company And Should I Be Using One?

Umbrella companies can take the complexity and admin out of pay and tax if you’re a contractor or a freelancer. We look at the pros and cons of using one.

How To Keep Your High Street Business Safe

Running a high street business is unpredictable at the best of times, but what steps can you take to keep your business safe from unforeseen events?

Five Ways Your Business Can Make The Most Of The Summer Bank Holiday

Depending on your type of business, August can be a quiet month. Here are five tips to make the most of the bank holiday and maximise the opportunities it brings.

The Tried And Tested Financial Products Loved By Successful Businesses

We surveyed 522 successful small business owners on what financial products they use to help make their businesses thrive.

What The King’s Speech Means For Your Business

The King has delivered the first King’s Speech for the new Labour government. Here's what it means for your small business.

What Does A New Labour Government Mean For Your Small Business?

Labour has won a landslide victory in the 2024 UK general election. Let’s take a deeper look at what they’re offering SMEs.

How To Find The Confidence To Run A Business

Starting and running a business takes dedication and self-belief - but how easy is that if you’re lacking confidence?

Five Ways SMEs Can Prepare For The Upcoming General Election

Following a week of party manifesto launches, we take a look at what’s on offer for small businesses

How To Be An Ally During Pride Month And Beyond

Pride Month is once again upon us and there are many ways small businesses can demonstrate their allyship.

Bank Holidays Vs Small Businesses

Bank holidays are welcomed by many, but they can have their downsides too. Here are the advantages and disadvantages of bank holidays for small businesses.

Five Reasons Why Networking Works

Networking events can feel daunting for small business owners - but the benefits far outweigh any social awkwardness that you might feel towards them.

SMEs And The Difficulty Accessing Finance

Access to cash is one of the most talked about issues amongst small businesses. But what’s the issue and what’s being done about it?

Alternative Ways to Fund Your Business

If you’re looking to start a new business or grow your existing business, it’s easy to immediately think about the more traditional means to fund your plan. But did you know there are many alternative options available too?

Dealing With Stress As A Small Business Owner

The symptoms of stress can be both obvious and subtle, so as a small business owner it's important to be able to spot the signs and take the necessary time to look after yourself.

Apprenticeships And Small Businesses - The Pros And Cons

Offering apprenticeships in your small business can benefit both your company and young workers in many ways, but it’s important to consider both the advantages and disadvantages.

Five Tips To Help You Prepare For The End Of The Tax Year

Taking the time to organise your business’s finances and affairs at the end of the financial year can help you spring into 2024/25 with confidence.

Five Ways To Help Recession-proof Your Business

Recessions aren’t good news for anybody, least of all businesses, but there are some things you can do to help make sure your business is in the strongest position for when one comes along.

How To Find Help For Your Business

Navigating the often complex and rarely straightforward path to a successful business is filled with potential pitfalls, but there is help out there as I explain here.

Five Unique Business Benefits Of A Leap Year

Leap years give way to a host of traditions and superstitions. But they could also offer some benefits for your business too.

Five Events Your Business Should Look Out For In 2024

Having a sense of what’s coming up in 2024 could help you to plan and mitigate against any significant disruption to your business.

How New Tax Rules Could Impact Your Side Hustle Profits

New side hustle tax rules mean it’s very important to keep a clear record of any additional income.

How business savings accounts can help SMEs to grow

A savings account isn’t a legal requirement, but it can support your business in the long run.