Guides
Cashflow guides.
Everything we've written on cashflow — plain English, no jargon, written by Björgvin.
14 guides
UK minimum wage increase April 2026: what it really means for small service businesses with 5–30 staff
Minimum Wage Increase April 2026 (UK): Impact on Small Service Businesses Understand the UK minimum wage increase in April 2026: new National Living Wage and National Minimum Wage rates, 15% employer NIC above £5,000, Employment Allowance changes and what it all means for small service businesses with 5–30 staff. Includes a free Minimum Wage Impact Calculator 2026.
13 min readHow Payroll Impacts Cashflow for UK SMEs (2025/26 Guide)
Payroll & Cashflow 2025/26: Forecasting Staff Costs the Smart Way Payroll is predictable, but one late client payment can break your cashflow. Learn how to forecast wages, NIC and pensions across 52 weeks to keep payday stress-free.
5 min readDSO explained: turn ‘days’ into £ cash you can collect (UK service SMEs)
DSO (Days Sales Outstanding): Formula & 7 Fixes (UK) What DSO means, how to calculate it (simple vs countback), and seven ways to cut days, with a worked example and calculator for UK service SMEs.
7 min readBest payroll setup for UK SMEs (roles, controls, calendar), 2025/26
Best Payroll Setup for UK SMEs (2025/26): Roles, Controls & Calendar The practical UK SME payroll playbook: who does what, maker–checker controls that prevent errors, and a 2025/26 payroll calendar (RTI, PAYE, AE, P60/P11D). Includes a 52-week cashflow tie-in and when to switch from DIY to outsourced.
5 min readCashflow Forecasting for Payroll (UK 2025/26): keep salaries paid, on time, every time
Cashflow Forecasting for Payroll (UK 2025/26), 52-Week, HMRC & Pension-Aware Turn payroll dates into reliable cash. Map payday → HMRC (PAYE/NIC) → pension scheme in a rolling 52-week forecast, avoid 22nd-day surprises, and plan buffers.
6 min readWeekly vs Monthly Payroll (UK 2025/26): cashflow & admin trade-offs
Weekly vs Monthly Payroll (UK 2025/26): Cashflow & Admin Trade-offs Should you pay staff weekly or monthly? See real cash timelines (PAYE by the 22nd, pensions by 19/22), admin workload (FPS/EPS), worked examples, and how to model both in a 52-week forecast.
5 min readEmployer NIC Changes 2025/26: Costs, Thresholds & Allowances for UK SMEs
Employer NIC Changes 2025/26: Costs, Thresholds & Allowances for UK SMEs Learn how the 2025/26 employer NIC increase affects SMEs. See worked payroll cost examples, winners vs losers, allowance rules, and planning advice.
6 min readThe Golden Rule of VAT: Why Spending It Destroys Cashflow (UK 2025/26)
VAT Is Not Your Money: The Golden Rule That Saves Cashflow (UK 2025/26)
5 min readSeasonal Businesses & Cashflow Forecasting (UK 2025/26)
Seasonal Businesses & Cashflow Forecasting (UK 2025/26) | 52-Week Rolling Forecast Template Seasonal business? Build a 52-week cash flow forecast, pick the right VAT/PAYE options and smooth Jan–Mar troughs. Free template + worked example. GOV.UK-cited.
6 min readRolling Cashflow Forecasts: How to Stay Ahead of Surprises
Rolling Cashflow Forecasts (52-Week Guide for UK SMEs) Learn how to build a 52-week rolling cashflow forecast for your UK business. Spot cash gaps early, plan tax & payroll, and avoid nasty surprises.
5 min readNIC, PAYE & Pension Costs (UK 2025/26): What Employers Must Budget For
NIC, PAYE & Pension Costs (UK 2025/26): Employer Rates, Thresholds & Deadlines. See 2025/26 UK employer costs at a glance: Employer NIC 15%, ST £5,000, PAYE due by the 22nd, Class 1A/1B at 15%, auto-enrolment 3% on QE. With GOV.UK sources.
5 min readCashflow Forecasting Services (UK 2025/26): Rolling 52-Week Forecasts That Stop Surprises
Cashflow Forecasting Services (UK 2025/26): Rolling 52-Week Forecasts That Stop Surprises. Lender-ready 52-week cashflow forecasting for UK SMEs (5–30 staff). Weekly cadence, HMRC dates baked in, scenario planning and dashboards, so you act early, not after the fact. (Includes 13-week lender extract.)
6 min readOutsourced Cashflow Forecasting UK: Pros, Cons & Costs
Outsourced Cashflow Forecasting UK: Pros, Cons & Costs (2025/26) Compare DIY vs outsourced cashflow forecasting in the UK. Learn what it includes, realistic costs, and when it pays off plus download our free 52-Week Rolling Forecast Template.
6 min readWhy DIY Cash-Flow Forecasts Often Fail (and How to Fix Them)
DIY Cash-Flow Forecasts (UK): Why They Fail and How to Fix Them UK guide to reliable cash-flow forecasting: fix the 7 DIY failure modes, bake in VAT/PAYE dates, and run a 52-week rolling forecast with weekly updates.
5 min read
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