August 2014

How wrong is your business plan?

Overpaid advisors, models too complex, out of date and boring? How does your business plan read? Luke Johnson Chairman of Risk Capital Partners gives his thoughts on the wrongs that write a business plan in a punchy article for the Financial Times where, amongst other faults, he highlights the issues of overcomplex NDAs, over paid […]


Late payments to SMEs

In April 2013 the payment body, BACS reported that small businesses were owed £30.2bn in overdue payments, across the economy. Then, in February of this year research from Sage Pay revealed that SMEs are owed £55bn in unpaid invoices. The average business is now owed £11,358, with £30,000 outstanding for one in five SMEs. For […]


Do SMEs really need equity?

A challenge to the UK corporates and to large parts of Government is simply to let more contracts to smaller businesses. Your performance will improve, the SME sector will be healthier and the UK economy will benefit for all of us. Ernie Richardson of Eastwood Langley explains his argument… One of the few things in […]


The implications of providing a personal guarantees

In the aftermath of the recession, the requirement for a personal guarantee from a director or shareholder has become standard practice whenever a small company looks to borrow money from a bank… Whilst personal guarantees may now be an unavoidable part of raising finance for small businesses, it is important for the people providing guarantees […]


SMEs vital to the UK economy, but many fail.

The latest statistics issued for business survival rates by the Office of National Statistics (ONS) show that only 45% of UK businesses survive for 5 years or more and 40% of businesses actually cease trading within 3 years. Against this background of business failures, there is a big success story for SMEs, but it can […]


If you’re looking for financial management that can give your business that important edge, then we should talk. Contact Stephen Bramhall to set up an initial discussion on 07785 775828 or by Email.

Financial direction with a commercial edge