ISAs, or Individual Savings Accounts, have been a feature of the personal finance world since 1999, yet I still get asked if they are ‘worth it’?

This article is a starting point to help dispel some commonly held myths relating to business lending most of which come from ‘Dave’ down the pub who knew someone who knew someone!

Cash flow is the lifeblood of a business. If it seizes up, the business dies. But managing money within a business isn’t just critical to its survival, it’s also what oils growth and releases the latent potential a business holds.

The biggest mistake businesses make is to focus all their marketing effort and budget on getting new customers. Research has shown that it costs up to 6 times more to get a new customer than to retain or sell to an existing one.

With the complexity of the VAT laws, it’s understandable that businesses make mistakes on their VAT returns. When VAT was first introduced in the UK way back in 1973, it was hailed as a simple tax. Turns out it isn’t quite so simple after all.