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Small biz MoneySaving

Running your own business? This is the place for MoneySaving questions for small traders.

starting a business and apply for funding
I have an Idea for a community based project and want to obtain funding to get it going. I have created a module for it and I've done some research and contacted my local council regarding funding, (advised I would need to register as a charity or non profit organisation). but its all a little confusing. can anyone please…
Free payroll software for Mac?
My husband has had real problems finding a way of managing our business’s payroll on a Mac, the HMRCs software only allows him to input new data. Can anyone recommend any inexpensive software that can help him to do this? Thanks.
Online Raffle for Charity
I'm looking to do a raffle online where over 21 days there will be a prize drawn each day to raise money for charity. I've seen a couple of posts although these are from 2009 about not being able to do this legally due to gambling laws. Is this correct? I was hoping to do this online so that I can capture a greater…
Small business start up loans
hi, i'm after some advice, my partner and i run a small pick and mix business, we currently rent a small Kitchen area and have a shelve to sell our sweet boxes on in a shop in town. we do home deliveries, and offer a custom box's and gift jars, with over 40 different sweets in stock. we would love to have our own shop and…
Delays opening HSBC business account
Hello everyone Is anyone else experiencing delays opening a HSBC business account? Am only asking for an account and whatever credit they'll give me ie a credit card or overdraft. No BBL as a new small business. Application confirmed through fraud checks on 7 July. They advised need to do credit check again as previous…
software for small business
My husband has his own small ltd business and I do the bookkeeping using Sage Instant accounts. I hate sage, and am looking for another software to make my life easier. I was looking at Bokio, but It still seems hard. Our accountant said about keeping spreadsheets. Our business invoices for services, so looking at a simple…
Issues with my business and the bank
Has anybody else had a similar situation. On our property portfolio we now only owe £365,931.00 to the bank for loans taken out to buy properties. These properties are now worth £1,030,000.00 and that is the lowest valuations. We have asked them to release 1 property that is part of the portfolio as part of a divorce…
Card Merchant fees
I find there whole merchant card world very difficult to navigate as they make it very confusing with card fees (0.4%)/transactions fees (1p) /pci fees(£5)/termianl rental fees (£20pcm). who is the cheapest for a shop turning over say, 150k with an average spend of £15. I think most people (90%) pay with a debit card and I…
Bounce Back Loan Extension?
Does anyone know whether the bounce back loan scheme is likely to be extended beyond the current deadline of 4th November? I've just had a mortgage offer but Covid-19 put my house move back to January so I don't want to take out the loan before then as I don't want it to jeopardise my mortgage offer. I'm not desperate to…
Sole Trader Business / Personal Vehicle, Sub Personal Allowance, Non-VAT - Any Incentives?
Hi all Well, my 20 year old car is about to meet its end, it’s served me well! I’m a self employed sole trader, not VAT registered, and rarely make a profit over the personal allowance threshold. I’m looking at a replacement for my car that will be useful for me in business and personally. I would say the split in usage is…
Company refusing to refund fee for trade show stand which is now a "digital event"
MOVED FROM CONSUMER RIGHTS BOARD: Back in Jan my micro business paid £2750 + VAT for a stand at a trade show due to take place 1st April. the terms were clearly laid out as a 3x2m stand, fasica board and so on, along with a handful of extras. Unsurprisingly, the show was postponed (to Sept). They have now stated that they…
sales procurement advice needed
Hi I know that charities and private sector companies such as Scottish power, Cancer research and Oxfam use marketing companies / agencies who have reps stand in the high street to solicit donors. Where can one find out how to tender for theses contracts - as well as the more private sector ones? Thanks in advance for all…
General Form of Judgement or Order
Hello all hope you can shed some advice. We had a shop that was a lease hold but then the owners took it back. 6 months later they billed us for wear and tear and have plans to convert the shop to a house. We then received a General Form of Judgement or Order confirming application for ^3rd party debt order dismissed ^.…
Ecommerce Business Address help
Hi, i am about to start online shop for clothing . I am new to all of this. I need advice. An address is required for starting a business and i am renting and landlord didnot allow to use his address. Is there any way to buy a address? I need address for customers returns etc.please guide me.
Company shareholder - Cash Call request
I suspect this is quite a niche question so not sure if anyone will be able to help, but having done a quick Google I can't get a clear answer on this. My father was a 50% owner of a business and last year that business was sold. As part of the sale agreement my father retained a 10% shareholding. At the beginning of the…
copyright book on Amazon
Hi , I wrote a book about 4 years ago but did not copy write protect it now someone is selling my book on Amazon and has refused to release the book. I contacted Amazon but they wouldn't take it down unless i provide the copyright ownership. Could you kindly confirm how i can tackle this situation? can i still copyright my…
Chasing Unpaid Invoice from US Client
Hi everyone, I am seeking some information and guidance regarding chasing unpaid invoices for work delivered by my UK Limited company to a US-based investment fund. I work in the consultancy space and have a contract with the client, which states very clearly that all invoices are to be settled within 28 days. I also have…
Credit card for charity
Hello, Has anyone out there managed to secure credit cards for a charity? I have contacted most high street banks but it's either not a service they offer or we have to hold a bank account. We currently bank with CAF bank and use their business debit cards. Thanks
When does TUPE apply?
We are a small company that has provided specialist services to a large public sector organisation since 2010. The amount of days has been agreed annually. We have now been advised that they intend to take 70% of the work that we have previously done in house and employ new staff to complete the work and offer our company…
Limited company for our hobby shops
Hello,My partner and I each have online hobby shops with the revenue now likely to exceed our £1k trading allowances this tax year. We are also PAYE employed where I earn enough that I need to make extra pension contributions to avoid higher rate tax and child benefit payback and my partner is roughly in the middle of…

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MSE News

Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What you need to know
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.

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Small biz MoneySaving

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