Follow the Clear blog for the latest industry trends and expert insights, all focused around how the right finance on the right terms can help you to grow your business.
Understanding the difference between a purchase order and an invoice is essential for running a smooth, well-organised business. While the two documents can look similar at first glance, they serve very different purposes — and confusing them can lead to cash flow issues, accounting errors, and disputes with suppliers or customers. In simple terms, a …
Every VAT-registered business in the UK is required to submit a VAT return, usually on a quarterly basis. A VAT return reports the VAT you’ve charged customers on sales (output VAT) and the VAT you’ve paid on business expenses (input VAT). While VAT can feel complicated at first, learning how to submit a VAT return …
How a Business Overdraft Can Affect Your Personal Credit Score For many business owners, personal and business finances are closely connected. While this is often most noticeable through income, it can also extend to credit and debt exposure. One area where this overlap is particularly important is business overdrafts. Although a business overdraft can provide …
Internal Sources of Finance Explained: How Small Businesses Can Fund Growth Without Borrowing Start-ups and small businesses often require additional funding to grow, invest in assets, manage cash flow, or seize new opportunities. While business loans, overdrafts, and alternative finance options are commonly used, many business owners overlook the power of internal sources of finance. …
Cash flow is one of the biggest challenges facing construction businesses in the UK. Long project timelines, high upfront costs and staged payments can place ongoing pressure on working capital. Even profitable firms can struggle if cash is tied up for too long or payments are delayed. This guide explains the common cash flow challenges …
Cash flow is one of the biggest pressures facing UK SMEs. Even profitable businesses can struggle if too much cash is tied up in stock, unpaid invoices or short-term liabilities. That is where net working capital (NWC) becomes an essential measure. In this guide, we explain what net working capital is, how to calculate it, …