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…
Cash Flow for Professional Services Firms
Cash flow in professional services is undermined by a deceptively simple problem: your biggest cost – your people – must be paid on the last day of each month, but…
Working Capital in Construction: Managing Retentions and Delays
Working capital in construction is uniquely challenging because the sector has the highest days sales outstanding of any UK industry at 68 days, driven by stage payment cycles, contractual retentions,…