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.
Cash Flow Strategies
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.
How Much Working Capital Does a New Hire Really Require?
A new hire typically requires two to four months of their total employment cost in working capital, because you start paying their salary, National Insurance, and expenses from day one,…
How to Write a 13-Week Cash Flow Forecast (With Step-by-Step Guide)
A 13-week cash flow forecast is a week-by-week projection of every pound coming into and going out of your business over the next quarter, giving you a clear view of…
Seasonal Business Cash Flow: How to Fund Your Peak Period
Seasonal business cash flow is the challenge of funding large upfront costs – stock, staff, marketing – weeks or months before the revenue from your peak trading period actually lands…
Should You Take an Early Payment Discount or Hold Cash?
An early payment discount is nearly always worth taking if you have the cash available, because the annualised cost of not taking it is far higher than most businesses realise…
Late Payment Interest: Your Rights Under UK Law
Under the Late Payment of Commercial Debts (Interest) Act 1998, any UK business can charge interest on overdue invoices at the Bank of England base rate plus 8% – currently…
My Customer Is 60 Days Late Paying – What Are My Options?
If a customer is 60 days late paying an invoice, your options range from a formal demand letter and charging statutory interest under the Late Payment of Commercial Debts Act…