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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.

The UK government’s new ‘Made in the UK, Sold to the World’ roadshow series kicked off last week (24 April) in Blyth, Northumberland, with a clear ambition: to get more small businesses exporting, and to sustainably grow the economy.

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.

Business expenses: what you can (and can’t) claim

Discover what counts as a business expense and how claiming such expenses can lower your tax bill.

Corporate credit cards: what they are and how they work

Learn how corporate credit cards can help you streamline business expenses, control spending and support your company’s financial operations.

Sole trader business credit cards: everything you need to know

A business credit card can help cover essential costs when running your own company. Here's how they work.

Business bridging loans: everything you need to know

A business bridging loan is one way for companies to borrow money fast. However, they can prove expensive and are only designed for short-term borrowing.

Partnership bank account: do you need a joint business account?

Setting up a business partnership? Learn whether you need a joint business bank account and how to set one up if you do.

Not long ago, the independent bookshop looked destined for extinction.

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.

Over the past few months, tariffs have been pushed to the top of the news agenda

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.

What is a business credit card and why do you need one?

Discover the benefits of holding a business credit card, how to apply for one, and what to watch out for.

How do card machines work? A step-by-step guide for SMEs

Take card payments with confidence. This guide explains the process, costs and machine types to help you find the best fit for your small business.

Entrepreneur checking orders on her tablet

13 practical ways to get finance for your business

Discover the different types of business finance, along with their pros and cons, so you can decide what works best for you.

In an increasingly digital economy, many UK small businesses — especially those that deal directly with customers — are rethinking how they take payments.

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.

Card payments explained: a complete guide for small businesses

Learn how card transactions work and the types you might encounter when setting up your business for hassle-free sales.

What is the cheapest way to accept card payments in the UK?

Discover the most affordable ways to process card payments for your business. Save on fees with these flexible, easy-to-understand solutions.

Man makes a card payment to the owner of a cafe.

Credit card processing fees in the UK: a complete guide for 2025

Your card provider charges you card processing fees when a customer pays using their card. Here’s how it works.

How to accept credit card payments: a step-by-step guide

With card transactions on the rise, it’s more important than ever to understand how your business can accept credit card payments.

Small business owner with paperwork and a sleeping baby on his shoulder.

What do you need to open a business bank account in the UK?

Applying for a business bank account? Find out what documents and details you need to provide

How to get a business bank account with bad credit

You don’t need a perfect credit score to open a business bank account, but a low score can limit your options. Find out how to boost your chances.

Business credit card eligibility checkers: what they are and how they work

Discover the benefits of using an eligibility checker before applying for a business credit card

The UK’s 5.5 million small businesses are the backbone of the UK economy. However, many struggle to access the external finance they need for investment, expansion, and cash flow management.

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.

The government’s renewed focus on SMEs will be seen by many business owners as a welcome morale boost.

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.

Business financial planning 101: a small business owner’s guide

Discover everything you need to know about the importance of financial planning for your business.

Overcoming cash flow challenges: practical solutions for small businesses

If your small business faces cash flow problems, it’s important to know how to fix them. This guide offers seven solutions to common cash flow challenges.

What is budgeting in business and why is it important?

Discover how budgeting helps manage business finances to ensure long-term success

Working capital for small businesses explained

Want to learn about working capital for small businesses? Our short guide tells you everything you need to know.

How to create a small business budget in 5 simple steps

Budgeting is an essential part of running a successful small business. Find out how to create a budget with our user-friendly guide.

Cash flow management: the ultimate guide for small businesses

Find out why managing your cash flow is so important and how to do it.

Cash flow vs profit: key differences explained

It’s easy to confuse cash flow and profit because having plenty of both suggests success. But this doesn’t make them the same, as we explain in this guide.

The UK’s manufacturing sector is a powerhouse, contributing nearly £200 billion to the economy annually.

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.

Business Plan Schedule Written on a Notebook

Free business template with a step-by-step guide

Write your business plan today with our free step-by-step guide, template and practical example – structured and tailored for any business type.

Today’s small businesses face a range of financial pressures.

How small businesses can build lasting financial stability

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

Data from the British Chambers of Commerce (BCC) paints a stark picture for SMEs across the UK.

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

Cybercrime has cost British businesses £44 billion in lost revenue over the past five years, yet many SMEs still rely on basic security measures.

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.

Casually dressed businesswoman sitting on her desk studying paperwork

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.

Two colleagues working together on a laptop

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.

Pensive businesswoman looks out of a window

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?

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.

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.

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.

Two workers surrounded by large stainless steel vats at a microbrewery.

What is asset finance? Everything you need to know

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

Tradesman checking documents while loading his van.

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.

Deli owner taking a credit card payment.

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.

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.

Florist reviews her options on a laptop.

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.

Hairdresser takes payment from her customer.

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

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.

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.

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!

Scene in a warehouse. A worker holds his leg in pain, while a colleague tries to help him.

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.

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.

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.

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.

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.

Sign in a shop window saying "Come in - we're open".

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.

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.

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.

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.

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 childminder sits with two youngsters as they do papercrafts.

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.

Partners in a ceramics business work together on a laptop.

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.

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.

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.

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.

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.

A sign hanging from a building wall saying "How to name your business".

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.

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.

The letters AI appear in the palm of a hand

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.

Casually dressed colleages collaborate on work plans.

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.

A woodworker in a backwards baseball cap looks at his smartphone.

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.

Group of young entrepreneurs working on ideas.

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.

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.

Three dice spelling out P2P. A fourth dice is held cocked between Yes and No.

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.

An affluent businessman contemplating his options.

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.

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.

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.

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.

A joiner contemplates the best way forwards.

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.

Woman using a laptop. She has paperwork in her hand and more on her desk.

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.

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.

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.

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.

A man holds up a futuristic screen from the palm of his hands

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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