Struggling with cash flow? Many SMEs are. Maybe cash flow is so slow that you’re not able to pay your staff or yourself a wage – 32% of business owners can’t. If you’re struggling to pay staff on time and can’t pay yourself a decent wage, that’s scary.

Equity Release a way for homeowners over the age of 55 to unlock some of the money (the equity) that is within the value of your home. You don’t need to have fully paid off your mortgage to do this, but you will need to repay any existing mortgage from the money released.

You wouldn’t believe the number of business owners we meet who misunderstand the concept of cashflow. They often confuse it with turnover. Surely, if your business is busy and you’re sending out loads of invoices, then your cashflow will be great. That money will just flow in. Hmmm … are you sure?

COVID-19 has taken a terrible toll and will leave a very deep and lasting impact on us, but I am optimistic it will also lead to many positives. Perhaps we are getting a glimpse of the shape of things to come as the world moves towards a sustainable economic future.

As a business owner, a Self Assessment Tax Return is something that you will be required to complete each tax year to declare your income (and pay over any tax owed) to HMRC. Many individuals and business owners prepare and submit their own tax returns directly to HMRC.