SGI Consultants
Plan, Launch & Scale Your Business
- Website
- startgrowimprove.com · all feeds from this site
- Feed URL
https://startgrowimprove.com/feed/
Read it in your FeedListing reader
Or add to: Feedly Inoreader Raw feed
Latest posts
-
HMRC Tax Changes 2027 to 2029: E-invoicing, Direct Debits and More Frequent Tax Payments for Small Businesses
Most owners I speak to after a Budget want to know one thing: did my tax go up? This time, for most owner-managed businesses, the honest answer is no. The headline rates for income tax, National Insurance, and VAT were ... Read More The post HMRC Tax Changes 2027 to 2029:…
-
Venture Debt in the UK: How It Works, Who It Suits and the British Business Bank’s New Product
The founders who ask me about venture debt are rarely in trouble. More often they have just closed a Series A, the board is pleased, and someone has suggested that a debt facility “on top” would buy another six months ... Read More The post Venture Debt in the UK: How It Works,…
-
Founders’ Relief Explained: The New 10% Capital Gains Tax Rate for Founders (Budget 2026)
Within an hour of the Budget speech on 28 October 2026, founders asked whether the new Founders’ Relief meant they should delay their exit, bring it forward, or restructure. The headline is genuinely generous: a 10% Capital Gains Tax rate ... Read More The post Founders’ Relief…
-
Budget 2026: What It Means for UK Small Business Owners and Founders
Every Budget day, owners send me the same message: “Did anything change for me?” The honest answer to the Budget 2026 small business question is that headline rates didn’t move. Headline rates of income tax, National Insurance and VAT stay ... Read More The post Budget 2026:…
-
Selling to an Employee Ownership Trust After the 2025 Budget: Is It Still Worth It?
On 26 November 2025, owners weeks away from selling to an employee ownership trust found the rules had changed overnight. Advisers and the wider market had told many that an EOT was the tax-free exit, and they had built their ... Read More The post Selling to an Employee…
-
Business Asset Disposal Relief in 2026/27: The 18% Rate, the £500,000 Limit From 2027 and Whether You Still Qualify
Most owners I speak to about selling still think of Business Asset Disposal Relief as the 10% tax rate that makes an exit worthwhile. In 25 years of professional experience, I have watched that belief drive rushed sales to beat ... Read More The post Business Asset Disposal…
-
How to Value Your Business for Sale: UK EBITDA Multiples by Size and Sector (2026)
Almost every owner who asks me how to value their business for sale already has a number in mind. Usually it comes from a friend at the golf club, a trade magazine or a headline about a private equity deal, ... Read More The post How to Value Your Business for Sale: UK EBITDA…
-
Earn-Outs Explained: How They Work When You Sell a Business, and the Tax Trap Most Sellers Miss
The call usually comes a few days after heads of terms arrive. The buyer agrees to the owner’s price, but pays only 80% at completion. The rest is an earn-out, payable over two years if the business hits a profit ... Read More The post Earn-Outs Explained: How They Work When You…
-
Companies House Accounts Filing From April 2028: What Changed in October 2026 and What Small Companies Must Still Do
Every year, I meet directors of small limited companies who sign their accounts without ever reading the profit and loss account inside. They have seen the balance sheet that goes to Companies House, they know roughly what turnover was, and ... Read More The post Companies House…
-
AI Financial Advice for Small Businesses: How to Use It Without Getting Burned
Imagine a company director who asks an AI chatbot whether she can take a £25,000 loan from her company and what the tax would be. The answer comes back confident, well written and clearly structured. It could also easily quote ... Read More The post AI Financial Advice for Small…
-
The Founder Pay Squeeze: Why Three in Four UK Small Business Owners Pay Themselves Under £20,000
Picture a joinery business turning over more than £400,000. The staff are paid on time, the suppliers are paid, HMRC is paid. The owner waits, and over the year he takes out a little over £14,000. He isn’t embarrassed; he ... Read More The post The Founder Pay Squeeze: Why Three…
-
How to Get More From Your Accountant: Turning a Once-a-Year Relationship Into Real Advice
“I like my accountant. I just never hear from them unless something’s due.” Plenty of owners would say something similar. The accountant is competent, files the accounts on time, and prepares correct tax returns. But the conversations that would help ... Read More The post How…
-
Why Business Owners Avoid Their Numbers, and a 20-Minute Habit That Fixes It
Plenty of owners go months without opening their accounting software. They know roughly what is coming in and what the bank balance is, but every time they think about logging in, something more urgent comes up. The unspoken logic is ... Read More The post Why Business Owners…
-
Gross Margin vs Net Margin: What They Tell You and What Is “Good”
“We put 50% on everything, so we make 50%.” It is one of the most common things owners say about pricing, and it is wrong. A 50% markup on cost gives a gross margin of 33%, and once rent, staff, ... Read More The post Gross Margin vs Net Margin: What They Tell You and What Is…