Ecommerce Working Capital: Why Growing Online Brands Run Out of Cash
Online brands pay for stock and ads upfront while marketplaces hold the cash. A UK guide to the ecommerce cash conversion cycle, payout lags and how to fund the gap.
James Harford
Working Capital for Hospitality: Why Cash-Rich Pubs and Restaurants Run Dry
Hospitality gets paid instantly and pays suppliers later, so why is cash so tight? The negative working capital trap in UK pubs, restaurants and cafes explained.
Working Capital for Recruitment Agencies: Funding the Pay-and-Bill Gap
Recruitment agencies pay temps weekly but invoice clients on 30-60 days. Here's why the pay-and-bill gap eats cash as you grow, and how to fund it.
Overtrading: How Growing Too Fast Can Bankrupt a Profitable Business
Overtrading is when sales grow faster than working capital can fund, so a profitable business runs out of cash. How to spot the warning signs and fund growth safely.
Making Tax Digital for Income Tax: A Working Capital Checklist for Sole Traders and Landlords
Making Tax Digital for Income Tax is live for sole traders and landlords over £50k. What changes, what it costs, and a working capital checklist to stay ahead.
Should Your Business Use the VAT Cash Accounting Scheme?
The VAT Cash Accounting Scheme lets you pay VAT only when customers pay you. How it frees up working capital, who it suits, and who should avoid it.
The Commercial Payments Bill 2026: What Every UK SME Needs to Know
The Commercial Payments Bill 2026 caps B2B payment terms at 60 days and makes late payment interest mandatory. Here is what UK SMEs need to do now.
Manufacturing Working Capital: Solving the DIO Problem
Manufacturing working capital is the tightest of any UK sector, with a cash conversion cycle of 86 days – meaning cash is locked up for nearly three months between paying…