Financial Guides and Articles
Plain-English guides on business banking, insurance and more.
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What Is Invoice Finance?
Invoice finance lets you release cash tied up in unpaid invoices without waiting for customers to pay. It comes in two main forms, factoring and discounting, each suited to different business types and situations. Here is how to work out which one fits yours.
Why Timing Isn't the Whole Story for Startup Finance
James Robson argues the SME finance industry has spent a decade chasing the wrong problem: it's timing, not access. He's right, for established businesses. But for startups and first-year companies with no trading history to time, access is still very much the real issue.
The Comparison Site Now Competing With the Products It Compares
MoneySupermarket has launched its own business bank account. Not a comparison of other banks' accounts. Their own. This is a significant moment for the comparison market, and it raises a question every small business owner should ask before using any comparison site to find a bank account.
Is Business Savings Interest Taxable?
Yes, interest earned on a business savings account is taxable. How it is taxed depends on whether your business is a limited company or a sole trader. This guide explains the mechanics, what you need to declare, and how to make sure you are handling it correctly.
How Much Interest Can a Business Earn on Savings?
A business holding cash in a current account is earning almost nothing on it. The same money in a business savings account is earning meaningfully more. This guide covers what current rates look like, what a realistic return works out to, and what affects how much you actually earn.
Easy Access vs Fixed-Term Business Savings
The choice between an easy access and a fixed-term business savings account comes down to one question. How certain are you that you will not need that money during the saving period? The answer shapes everything else. This guide explains how the two products work and which suits which situation.