Budget

What the budget means for you

In his 2018 Autumn Budget, Chancellor Philip Hammond provided a number of announcements relevant to small businesses, including increased support for the UK’s High streets. Below we take a look at what the budget could mean for your business. Help for the high street The Chancellor announced a variety of measures aimed at giving short […]

St Andrew's Day

Meet the Scottish businesses growing with finance

The patron saint of Scotland, St Andrew was known for being strong, sociable and fair. Characteristics that Scots are proud to stand for, they celebrate St Andrew’s Day with acts of kindness and good deeds on the 30th November each year. Whether you’re dancing a ceilidh, hiking around Loch Lomond or just knocking up some […]

ChristmasTree

A Small Business Christmas Carol

To celebrate the hard work small businesses do all year round, this year we’ve presented our very own Christmas Carol. Check out our infographic below on the past, present and future of small businesses, then read on to find out more details in our blog articles. Read on to find out more about the past, […]

financial year end

Preparing for your financial year end

Whether you carefully track everything all year round, or sort it all with two weeks to go, preparing for your financial year end is important for every business. If you’re about to get things in order for your business, we’ve put together a short guide to help your year end go as smoothly as possible. […]

Best apps for small businesses

Best apps for small businesses

Whether they’re saving you time, increasing your productivity, or making you more secure, installing amazing new business apps is the workplace equivalent of opening presents on Christmas day. Those “How did we manage before?” moments give everyone a lift, and mark another step forward in the evolution of your business. There are lots of fantastic […]

how business loans work

How business loans work

Business loans can be a fantastic way to get extra funding. They could help you grow, boost cash flow, hire staff and much more. However, as with any financial decision, it’s important to understand how they work and what to look out for. In our guide below we answer the key questions to help you […]

Modernise your business

7 ways to modernise your business

If you’re a business owner, spare time is a luxury you can rarely afford. Staying on top of the day-to-day demands is tricky enough, and researching the latest business trends probably won’t be high on the priority list. However, even small changes can make you more competitive, resilient or creative. To lend a hand, we […]

Economies of scale

Economies of scale for small businesses

You may have heard the term ‘economies of scale’ when talking about advantages enjoyed by larger business. But economies of scale can take different forms, and contrary to what you might think, it’s not just the big players that can benefit: small businesses can reap the rewards too. Here’s how you can get the most […]

Cash flow

A guide to cash flow

It’s an old business adage that cash flow is king. The lifeblood of any business, healthy cash flow allows things to run smoothly. Suppliers and staff are paid, contracts are delivered, stock is replenished, profits are earned. Its importance is backed up by stats too. Poor understanding and management of cash flow contributes to 82% […]

USP

How to win more customers with a USP

A USP is a Unique Selling Point – it’s what makes you stand out from your competition. It can be anything from higher quality, lower price, better customer service or locally sourced ingredients. All successful companies will possess a unique selling point and use it to attract and keep their customers. A clearly defined USP […]