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Financing

The financing channel looks at the different small business funding options available to start-up companies and established SME businesses looking to grow. Read a wealth of guides and tips to help manage your accounts and cash flow better, views on the future of business banking and where to source alternative finance.

Business start-up grants

How could I get a grant for my new business, I've heard about start-up grants but I've never received one? Where could I get info on this?

Government Grants

Accounting

Tax charges on a second income

My boyfriend and I are planning on starting a part-time business making and selling canvas prints of art work, personal photos and other images - on top of us both working full-time. We will not be making a massive amount of money, it will just be turning a hobby into profit, so will we have to pay tax or any other charges on whatever we earn? I have been told you can earn up to £4,999 without having to pay tax. Do I need to declare the money being earned even if it's less than this amount?

Accounting

Vehicles that are considered for tax relief

I am about to replace my car and have been told by my accountant that 25 per cent relief is allowed on cars and 40% relief is allowed on vans. Which vehicles are considered as 'vans' for the purposes of tax? I have quite a lot of equipment to carry around (ladders etc) and so maybe a van would been of greater benefit than a large estate car. I hope that you can advise. Thank you!

Alternative finance

Need to know: Asset-based finance

Waiting for invoices to be paid before investing the proceeds in your business can seriously impede growth. SmallBusiness.co.uk examines how factoring and invoice discounting can speed up expansion.

Small Business Banking

How interest rates affect your business

When it comes to the cost of borrowing, burgeoning UK ventures have rarely had it so good. Base interest rates are at historically low levels, having been on a downward trend since the late 1980s. But this could be about to change.

Accounting

UK tax issues when setting up a business overseas

When it comes to relocating and setting up a business overseas, there are a multitude of issues that have to be considered. Getting your tax position in order pre-departure should be high on your list of priorities.

Accounting

Tax for part-time businesses

When starting up for the first time, many people opt to retain their full-time job and set up their own business part-time. But what does this mean for their tax situation? Will the tax be deducted from the day job wage? Or is it only taken from what is earned from the business? Are they separate?

Small Business Banking

Credit history issues: A way around?

I have opened a retail shop in a busy area, I am seeking a business bank account to enable credit/debit card payments. I currently have a very poor credit history but until 5 months ago it was very good. I have a partner with a good credit rating. Will she be able to apply if I make her a shareholder as I have chosen to make the company limited?

Accounting

Tax for part-time businesses

When starting up for the first time, many people opt to retain their full-time job and set up their own business part-time. But what does this mean for their tax situation? Will the tax be deducted from the day job wage? Or is it only taken from what is earned from the business? Are they separate?

Small Business Banking

Credit history issues: A way around?

I have opened a retail shop in a busy area, I am seeking a business bank account to enable credit/debit card payments. I currently have a very poor credit history but until 5 months ago it was very good. I have a partner with a good credit rating. Will she be able to apply if I make her a shareholder as I have chosen to make the company limited?

Accounting

Advice on tax and record keeping

I'm just starting a party plan business for women's clothing, lingerie and adult products. I've just graduated from university and know nothing about the legal side of businesses. What are the most important legal details I need and where can I get detailed advice on VAT and record keeping? I have already registered as a limited company, what next?

Accounting

Basic tax, VAT and cash flow for start-ups

When starting a business, there are a myriad of VAT, National Insurance, income tax and cash flow issues to consider. Clive Lewis of the Institute of Chartered Accountants in England & Wales offers this introduction to what to expect.

Accounting

Do you need an accountant?

When starting a business accountants can provide a wide range of services. You can talk over the records that you need to keep for the business and whether you need to register for VAT.

Business Loans

Securing a business loan whilst managing debt

I am 25 and I have some debt from University, which is a £6,000 loan, £3,000 credit card and a student loan which is paid through my employer. Would this type of debt stop me starting up my own business and getting the finance for it?

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