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.
How to Structure Payment Terms (and avoid disputes before they start)
The best invoice disputes to avoid are the ones you prevent. Two disputes from earlier in my career, and what they taught me about structuring payment terms properly from the start.
How to Resolve an Invoice Dispute
An invoice dispute is different from a late payment. The client is contesting what you are owed, not just delaying it. Here is how to assess the dispute, negotiate a resolution, and know when to escalate.
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.