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As we are all returning to the office after the celebrations, there may be a whiff of the post-holiday blues in the air (or is that the remnants of a New Year’s hangover?), but there is always a hint...

As we’re getting ready to round up 2019, many of us will be reflecting on the last 12 months and establishing our New Year’s resolutions. As 2020 dawns, there will be the usual promises to ourselves to go to...

In his song Good Life, Kanye West says: “Having money’s not everythin, not having it is.” And when it comes to business, never a truer word was spoken (or rapped). When you think about a business with cash flow...

  Photo by Lukas from Pexels The term ‘alternative finance’ implies that obtaining funding from sources other than high street lenders is far from mainstream. This used to be the case but gone are the days where finance-seeking SMEs’...

Image by TeroVesalainen from Pixabay To many, alternative finance options like invoicing factoring or discounting seems like a modern concept, but though first popularised in recent history in the 1960’s in America, the practice has been in existence for...

  Image: Pexels.com   The balancing act between ensuring you have adequate control over your sales ledger and maintaining good relationships with clients is a delicate one, people consider “Be too tough and you might lose business, be too...

When you are your business, as is the case for many small or family-run businesses, the lines between personal and business finances can become blurred. This can be problematic down the line because, although there is a distinction between...

FDs would rather apply for expensive, time-consuming, credit-file-damaging bank loans than seek alternative finance. We ask ‘why?’ The alternative finance market is booming, but it seems many FDs are behind the times. 83% of FDs said they would turn...

What is IR35? The IR35 rule was introduced more than ten years ago by ex-chancellor Gordon Brown.  His aim was to crack down on the number of contractors setting up limited companies in order to reduce their tax and...

With just a few weeks to go until HMRC introduces its new Making Tax Digital (MTD) initiative, here’s a quick guide to all you need to know. What is it? HMRC says “Making Tax Digital (MTD) is a key...