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.
Temporary Van Insurance Explained
Temporary van insurance gives you cover for a van you do not own, or for a short period when you do not need a full annual policy. This guide explains how it works, when it makes sense, and what to check before you buy.
Classic Car Insurance
Standard car insurance pays out market value after a total loss, and for a classic car that has held or increased its value over decades, that figure is often less than the car is actually worth. This guide explains how specialist classic car insurance works and why agreed value cover matters.
What the First Month of Starting a Business Actually Looks Like
Every business starts somewhere. For HowMuch, it started with a browser full of tabs, a growing frustration with how comparison had evolved, and a conviction that small businesses deserved something better. This is month one. What I did, what I got wrong, and what I wish I had known sooner.
Young Driver Insurance
Young drivers pay more for car insurance than any other age group. That is a statistical reality rather than an arbitrary decision, but it does not mean you are stuck with whatever quote comes back first. This guide explains what drives the cost and what genuinely makes a difference.
Multi-Car Insurance
If your household has two or more cars, a multi-car policy might save you money. Or it might not. The answer depends on who is driving what and what the comparison actually looks like. This guide explains how multi-car insurance works and when it is worth choosing.
Fleet Insurance
Fleet insurance covers multiple vehicles under a single policy. Most insurers define a fleet as three or more vehicles, though the products vary significantly beyond that. This guide explains how fleet insurance works, how it is priced, and what businesses and individuals with multiple vehicles need to know.
My Experience of Making Tax Digital, and What I Would Do Differently
I helped my partner's small e-commerce business through its first Making Tax Digital quarter, and made the process harder than it needed to be. Here is what actually ate the time, the rule nobody warns you about, and what I would automate from day one.
Working Capital Loans
Working capital gaps are common and they are solvable. Whether a working capital loan or invoice finance is the right solution depends on what is causing the gap. Getting that diagnosis right before you borrow saves time and money. This guide explains both options and how to decide between them.
Asset Finance Explained
Asset finance lets businesses acquire equipment, vehicles, and machinery without paying for them upfront. It covers several different products that work in distinct ways. This guide explains how each type works, when to use them, and what lenders actually look at when assessing a deal.
Start-Up Business Loans
Start-ups face a funding challenge that more established businesses do not. Most lenders want trading history you have not yet had time to build. The options available are more varied than most people expect, but they require knowing where to look. This guide covers the full picture.