A director’s loan records money moving between you and your limited company outside salary or dividends, and shows who owes who at any point in time.

Without tax planning, business owners often face cash flow pressure, missed allowances and unexpected tax bills that limit confidence and long-term financial control.

UK businesses can claim expenses that are incurred wholly and exclusively for business purposes, with eligibility depending on use, evidence and HMRC rules.

Most UK business owners cannot rely on selling their business to fund retirement, so a pension plan needs its own strategy.

Tracking your company’s financial health month to month helps you stay profitable, spot risks early and make confident, data-driven decisions for your business.

Directors can pay themselves through salary, dividends or a mix of both. The right approach depends on profit, affordability and tax rules that govern legal company withdrawals.

Profit and cash flow show different sides of your business. Understanding both helps you make confident decisions and keep your finances stable.

A profit and loss report shows your income, costs and profit over a set period so you can understand how your business is performing.

Management accounts give you a real-time view of your profits, cash flow and performance, helping you make confident decisions month by month.

The Bottom Line: Your costs are going up, and there's less tax relief to help soften the blow. But we’re here to help.