How to Build a Working Capital Review Process for Your Limited Company
A monthly working capital review converts your financial data into actionable decisions — debtors, creditors, stock and cash…
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How to Chase Late Invoices as a Limited Company
A structured escalation process — from automated payment reminders to statutory demand — protects your cashflow without burning…
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How to Choose Between Finance Options for Your UK Limited Company
The right finance option depends on what you need the money for, how long you need it and what your balance sheet can support —…
Read →How to Forecast Seasonal Cashflow for Your Business
A twelve-month cashflow forecast that accounts for seasonal revenue patterns and fixed cost obligations lets you plan borrowing…
Read →How to Forecast a Cash Gap in Your Business
A cash-gap forecast translates your P&L outlook into an actual bank balance projection — identifying the gap weeks or months…
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How to Improve Your Debtor Days
Reducing debtor days is one of the fastest ways a UK limited company can release working capital — the goal is systematic process…
Read →How to Manage Supplier Payment Terms as a Growing Business
Extending supplier payment terms by even a fortnight can materially improve your working capital position — often without…
Read →How to Manage a Late-Paying Customer Without Losing the Account
Collecting from a slow-paying customer requires a structured approach that separates the payment issue from the commercial…
Read →How to Negotiate Better Payment Terms with Suppliers
Securing better payment terms from suppliers is a legitimate and often underused lever for improving working capital — the key is…
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How to Prepare Your Limited Company for Year-End
Starting your year-end preparation two to three months before your accounting date gives you time for legitimate tax planning and…
Read →How to Prepare for Due Diligence as a UK SME
Due diligence is less about impressing the counterparty and more about demonstrating that your business is exactly what you say…
Read →How to Read a Business Loan Agreement
Most loan agreement surprises come from clauses that are present but unread: covenants, events of default, and prepayment…
Read →How to Reduce Debtor Days in Your Business
Cutting your average debtor days by even a week can release significant working capital already sitting on your balance sheet —…
Read →How to Set Credit Limits for Business Customers
Effective credit limits protect your cash flow without unnecessarily restricting revenue — the discipline is applying a…
Read →How to Set Credit Terms for Business Customers
Clear credit terms — agreed in writing before the first invoice — are the single most effective tool for reducing late payment…
Read →How to Value a UK Limited Company for Sale or Finance
Business valuation is part art, part arithmetic: the right method depends on your sector and purpose, whether you are raising…
Read →How to Write a Business Plan for a Commercial Finance Application
A business plan for a finance application is not a vision document — it is evidence of repayment capacity presented to someone…
Read →How to Write a Funding Proposal for Business Lending
A well-structured funding proposal answers the lender's core questions before they ask them — purpose, repayment route and…
Read →How to apply for a business loan
The documents, the steps and what to expect when your company applies.
Read →How to apply for a business loan
Applying for a business loan is mostly about preparation. Get your figures, documents and reason for borrowing straight first,…
Read →How to borrow without a personal guarantee
A personal guarantee ties your home and savings to the company's debt. It isn't always unavoidable — with the right company…
Read →How to budget for Corporation Tax and VAT as a limited company
Corporation Tax and VAT are predictable obligations, but they catch underprepared companies badly. This how-to shows you how to…
Read →How to build a cash reserve for your business
A cash reserve is the buffer that keeps a shock from becoming a crisis. Here's how big it should be, how to build it from…
Read →How to build a relationship with a lender
A strong lender relationship is built through consistent transparency and timely communication — not just at the point of…
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How to calculate and improve gross margin
Gross margin is the share of every pound of sales you keep after the direct cost of delivering it. It's one of the most revealing…
Read →How to calculate what your business can afford
Affordability is about cash, not profit. This how-to gives you a clear method to work out the repayment your business can sustain…
Read →How to chase overdue invoices (without losing the customer)
Chasing invoices is not rude — it is running a business. The companies that get paid on time are simply the ones with a…
Read →How to check if your business can afford a loan
Before you apply for a loan, spend twenty minutes checking whether your business can comfortably afford it. It is the same test…
Read →How to choose between a loan and a credit line
A term loan gives you a lump sum and a fixed schedule; a credit line lets you draw, repay and reuse as needed. The right one…
Read →How to compare business finance options
Comparing finance is not about chasing the lowest headline rate. This how-to walks you through a like-for-like comparison of…
Read →How to compare business loan offers properly
The lowest headline rate is not the cheapest loan. Comparing offers properly means translating every quote into the same units,…
Read →How to do a stocktake for your limited company
A stocktake counts and values every item of inventory your company holds at a point in time. Done correctly, it feeds directly…
Read →How to file your company accounts at Companies House
Filing annual accounts at Companies House is a legal obligation for every UK limited company. This how-to covers the deadline…
Read →How to forecast your cash flow
A cash-flow forecast is simply a calendar of money in and money out, projected forward. Built well, it tells you exactly when…
Read →How to improve your business credit score
Your business credit score is built from your company's payment behaviour, public filings and credit usage — not from your…
Read →How to manage a supplier payment run
A structured supplier payment run replaces ad-hoc bill-paying with a controlled, predictable process. It protects your cash flow,…
Read →How to manage cash in a seasonal business
Seasonal businesses don't fail in the busy months — they fail in the quiet ones, when the cash earned at peak has run out before…
Read →How to negotiate better supplier payment terms
Extending the time you take to pay suppliers is free working capital — if you do it fairly and openly. Here's how to negotiate…
Read →How to prepare a board pack for a limited company
A board pack is the set of documents that lets directors review the company's performance and make informed decisions at a board…
Read →How to prepare a cash-flow statement
A cash-flow statement shows where your money actually came from and went over a past period — split into operating, investing and…
Read →How to prepare for a business loan application
A strong application is mostly preparation. Lenders decide on what they can see, so the more clearly you present a healthy,…
Read →How to prepare management accounts for lenders
Up-to-date management accounts are often the difference between a fast yes and a slow maybe. This how-to shows you exactly what a…
Read →How to prepare your company for a finance application
Most finance applications are won or lost before they're submitted. Spend an hour getting your accounts, statements, purpose and…
Read →How to read a balance sheet
A balance sheet is a snapshot of what your company owns, what it owes, and what's left over for the shareholders on a single…
Read →How to read a business loan offer
A loan offer is a contract, not a quote. This how-to shows you exactly which clauses to check, what each one means and the red…
Read →How to read a business loan offer
A commercial loan offer contains terms beyond the headline rate — fees, covenants, and default triggers can significantly affect…
Read →How to read a profit & loss statement
A profit & loss statement walks from the money you earned to the money you kept, over a period of trading. Read top to bottom,…
Read →How to reconcile your business bank account
Bank reconciliation confirms that your accounting records and your actual bank balance agree. It catches errors, missing entries…
Read →How to reduce your cost of borrowing
The cost of commercial borrowing is not fixed at the point of first offer — preparation, structuring, and evidence-based…
Read →How to reduce your debtor days
Debtor days measure how long customers take to pay you. Cutting them releases cash you've already earned — free working capital,…
Read →How to refinance your business debt
Refinancing replaces one or more existing debts with a new facility on better terms. Done well, it lowers cost or frees up cash…
Read →How to register your company for VAT
VAT registration is mandatory once your taxable turnover crosses the current threshold, and optional below it. This how-to walks…
Read →How to set money aside for VAT and tax
The reason VAT and tax bills feel like ambushes is that the money was never separated from spendable cash. Fix that with a simple…
Read →How to set up a business expenses policy for your company
A clear expenses policy tells employees exactly what the company will reimburse, at what limits and with what evidence — avoiding…
Read →How to set up a purchase order system for your company
A purchase order system gives you control over what the company commits to spending before the invoice arrives. Without one,…
Read →How to set up payroll for your limited company
Setting up payroll is straightforward if you follow the steps in order. This how-to covers PAYE registration, software choices,…
Read →How to spot predatory business lending
Most business lenders are legitimate. A minority rely on confusion, pressure and buried costs. This guide gives UK directors a…
Read →How to use a business loan to grow
Borrowing to grow only works when the return beats the cost of the money. This guide shows UK directors how to choose…
Read →How to value stock for finance and accounts
Stock is often a business's biggest current asset — and the trickiest to value. Here's how to cost it for your accounts, handle…
Read →How to write a cash-flow forecast
A cash-flow forecast maps when money actually enters and leaves your business bank account — it is distinct from profit and tells…
Read →How to write a strong business loan application
A strong application isn't about persuasion — it's about giving an underwriter a clear, honest, well-evidenced picture so they…
Read →What to do if your loan application is declined
A decline is information, not a verdict. Most reasons are fixable. Here's how to find out what went wrong, repair it, and…
Read →Funding for UK limited companies
Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.