Sam Griffin
Sam has spent the last decade helping UK consumers and business owners navigate a rapidly changing financial landscape. As the lead for HowMuch (UK), he draws on his background at major comparison platforms to build tools that move the needle for SMEs. From regulatory compliance to deep-market analysis, Sam’s focus is on ensuring that HowMuch UK provides the clarity and accuracy UK consumers & business owners need to make decisions with confidence.
ePOS Systems for Retail
Retail ePOS systems are built around stock. Managing what you have, what you sell, and what you need to reorder is the core function that everything else is built on top of. This guide explains what retail businesses actually need from an ePOS and how to choose one that fits.
5 August 2026
Do I Need to Register for VAT?
If your taxable turnover has exceeded £90,000 in the last 12 months, yes. If it has not, VAT registration is a choice. This guide explains when the obligation kicks in, when it makes sense to register early, and what registration actually involves.
4 August 2026
Trade Finance Explained
Trade finance is the collective term for the products that make international trade work. It manages the payment risks and cash flow gaps that arise when buyers and sellers operate across different countries and currencies. This guide explains how the main products work and which businesses use them.
3 August 2026
Invoice Finance for Small Businesses
Invoice finance is not just for large companies. For small businesses with B2B customers and payment terms of 30 days or more, it is often the most practical way to keep cash flow steady without taking on traditional debt. This guide covers how it works in practice for smaller operations.
3 August 2026
Are Free Business Bank Accounts Worth It?
Most small businesses do not need to pay a monthly fee for a business bank account. Free accounts cover the basics well. This guide explains what they include, what the limitations actually are in practice, and when paying genuinely makes sense.
2 August 2026
Van Insurance for Couriers
Standard van insurance does not cover courier or delivery work. If you are getting paid to carry goods for others, you need a specific type of commercial cover. This guide explains what courier van insurance is, what it costs, and what to watch out for.
2 August 2026
Van Insurance for the Self-Employed
If you use a van for work as a self-employed person, social use cover is not enough. The type of business use cover you need depends on how the van is used, and getting it wrong can invalidate a claim. This guide explains what self-employed van drivers need to know before they buy.
2 August 2026
Multi-Currency Business Bank Accounts Explained
If your business sends or receives money in currencies other than sterling, a standard UK business account will cost you more than it should. Multi-currency accounts are built to fix that. Here is how they work and whether your business needs one.
1 August 2026
Limited Company Bank Accounts Explained
A limited company is a separate legal entity from its directors. That means its money needs to be kept separately too. This guide covers why you need a dedicated account, what to look for, and which providers are worth considering.
1 August 2026
Digital Business Banking Explained
Digital business banking has grown up. The main providers now cover overdrafts, lending, accounting integrations, and payment tools that many high street banks cannot match. Here is what you get, what you give up, and who it suits.
1 August 2026
Unsecured vs Secured Business Loans
The choice between a secured and unsecured business loan comes down to how much you need, what assets your business holds, and how much risk you are comfortable taking on. This guide explains how each works and which is likely to suit your situation.
31 July 2026
Business Loans for Sole Traders
Getting a business loan as a sole trader is possible, but the market works differently to how it does for limited companies. This guide covers your options, what lenders look for, and the government-backed scheme worth knowing about.
31 July 2026