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Avoiding loan sharks to fund your business
Advice on how to spot unlicensed lenders and why you shouldn't borrow money from them.
Obtaining non-bank investment
How to secure an investment for your business by preparing for a lender's requirements.
Social and community lenders
Applying for business loans from credit unions, the Prince's Trust and co-operative and community finance.
Recover debt through Court
Your options when trying to obtain money owed to you and the procedures involved when taking your claim to court.
What happens after your debt claim has been served
Court procedures after your claim has been issued, and what the defendant's and your options are.
Deciding whether to take your debt claim to court
Alternatives to court action to recover payment from customers, and checking whether they can afford to pay you.
Choosing the right legal route for your debt claim
Differences between the small claims track and the high court.
What happens if your debt claim is contested
The procedures if a defence is entered and the case proceeds to a court hearing or trial.
Using solicitors and debt recovery agents
In certain cases when collecting money owed to you it may be sensible to seek professional help.
Recovering interest on unpaid debts
The types of interest you can charge on unpaid debts and whether you are entitled to claim them back in court.
Issuing your debt claim
The forms and evidence you will need to issue a claim for payment.
Cashflow forecast examples
How you can use cashflow forecasts to plan for borrowing and for peaks and troughs in your business cycle.
Financing from friends and family
Pros and cons of getting a loan from friends and family and your tax position on repayments.
Alternatives to bankruptcy
Other options to consider before making yourself bankrupt.
Acquire assets and borrow money tax efficiently
Tax efficient methods of borrowing and how they can apply to your business.
Calculating tax relief when acquiring an asset
How tax relief can work in different ways when borrowing or leasing to acquire an asset.
Tax relief for buying or leasing assets
Information on the tax reliefs available when buying or leasing assets, and the rules for VAT.
Assessing your cash needs: creditors and debtors
Debtor days ratios and creditor days ratios estimate how long you take to pay debts and customers take to pay you.
Assessing your cash needs: assets and liabilities
Gearing ratios, working capital ratios and quick ratios are useful tools to compare assets and liabilities.
Avoid the problems of overtrading: assets
How to solve cashflow shortfalls and bring new money into the business in a variety of ways.