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Business Expert Smarter Money Insights for Your Business. Empowering entrepreneurs with better money options.

Discover the UK’s Invoice Finance comparison platform and unlock your business’ cash-flow. Perfectly suited for small to medium-sized businesses, Invoice Finance provides a safe and secure method of creating capital without delay.

12/10/2026

Visit Business Expert - https://www.businessexpert.co.uk/?utm_source=facebook&utm_medium=social&utm_campaign=business_expert

Meet Ragnar. Big dreams. Small brain. Unbreakable spirit.

He's a British entrepreneur with enormous ambitions and a hard-working PA. Today she needs one decision from him. He has other priorities.

This is the first episode of Ragnar, Top Dog. Follow so you don't miss Episode 2.

Be honest: what's your tennis ball? 🎾

Comparing business finance? businessexpert.co.uk. For UK limited companies only.

9:47pm. Sunday. "Hiya, so sorry to bother you, just a quick question…" 📵It's never a quick question. And "being availabl...
07/10/2026

9:47pm. Sunday. "Hiya, so sorry to bother you, just a quick question…" 📵

It's never a quick question. And "being available" quietly becomes "on call, for free, forever". 😮‍💨

Reply at 10pm and you've just taught them to expect 10pm. Boundaries aren't rude, they're how the business survives you.

The Business Expert take: your time is the one thing you can't buy more of. Guard it like your most expensive asset, because it is.

Be honest, did you reply?

Client red flags. Hear these, and add 20% or walk away. 🚩→ "It'll be great exposure"→ "Can you just quickly…"→ "We'll so...
05/10/2026

Client red flags. Hear these, and add 20% or walk away. 🚩

→ "It'll be great exposure"
→ "Can you just quickly…"
→ "We'll sort payment later"
→ "It's a really simple job"
→ "Loads more work coming, promise"

None of them mean run. They mean take a deposit and get it in writing.
The Business Expert rule: good clients agree the money up front. The rest are just telling you how the invoice will go. 💸

Which have you heard most?

Remember when was just the card you used on holiday? 💳It's now valued at around $115bn, up from $75bn a year ago, with...
02/10/2026

Remember when was just the card you used on holiday? 💳

It's now valued at around $115bn, up from $75bn a year ago, with over 50 million customers and real profits behind it. 🚀 When it finally floats, reportedly eyeing a $150bn to $200bn IPO, it could be one of the biggest listings Europe has ever produced.

Here's the part that should make the UK pause: it's leaning towards listing in New York, not London. 🇬🇧

A fintech born in Britain, built in Britain, likely to take its biggest moment to the US. Lower stamp duty, deeper pools of capital, and frankly a market that rewards this kind of company more. It's a quiet verdict on where ambitious businesses feel they get backed.

Why it matters from Business Expert, beyond the headline: hundreds of thousands of UK small businesses now run on tools like this. The health of our fintechs isn't abstract, it shapes the accounts, cards and rates you actually use day to day. When they thrive, you get better products. When they list elsewhere, it's worth asking why.

Proud of what UK fintech has built. Less sure we're keeping it.

Would you rather our biggest fintechs listed in London, or do you not blame them for choosing New York?

A quick, time-sensitive one that could save you a penalty: if you started earning on the side this year, you may need to...
01/10/2026

A quick, time-sensitive one that could save you a penalty: if you started earning on the side this year, you may need to register with HMRC by Monday. 🗓️

That's 5 October, just days away.

The rule catches a lot of people out. If you made more than £1,000 from self-employment or a side hustle in the last tax year (6 April 2025 to 5 April 2026), you need to register for Self Assessment. First Etsy sales, freelance invoices, a weekend gig, rental income, it all counts once you pass that £1,000 trading allowance.

Two things people get wrong:

→ Registering isn't the same as paying. You register now, then file and pay by 31 January. Monday's deadline is just telling HMRC you exist.
→ "It was only a bit of money" isn't a defence. ⚠️ Miss the notification deadline and you can face a failure-to-notify penalty, even when the tax itself is small.

The nudge from Business Expert: if there's any doubt, register anyway. ✅ It takes minutes on gov.uk, and it's far cheaper than explaining yourself to HMRC later.
Did your side hustle tip over £1,000 this year?

Tomorrow starts the last quarter of the year. 90 days to turn "this year" into whatever it's going to be. ⏳Most people d...
30/09/2026

Tomorrow starts the last quarter of the year. 90 days to turn "this year" into whatever it's going to be. ⏳

Most people drift into Q4 on autopilot, then wonder in January where it went. A better move is a ten-minute reset today. Not a vision board, just four honest numbers: 📊

→ Where's your revenue actually landing versus what you hoped back in January?
→ How many months of runway are in the account right now?
→ How much have you genuinely set aside for tax, before it becomes a January problem?
→ Which few clients or products made most of the money, so you can do more of that and less of everything else?

The reframe from Business Expert: the last quarter isn't only about a final push for sales. It's the window to fix the boring things while you still can, chase what's owed, sort your tax pot, cut the costs you meant to cut back in March.

Finishing the year strong is rarely about working harder in December. 🎯 It's about being honest with the numbers in October.

What's the one number you want to move before the year is out?

Energy is back in the headlines this week, the price cap jumps 4% from 1 October, gas up 8%. But that number isn't the o...
29/09/2026

Energy is back in the headlines this week, the price cap jumps 4% from 1 October, gas up 8%. But that number isn't the one that matters most for your business. 🔌

Here's the bit that gets missed: the price cap only protects households. Business energy has never been capped. There's no safety net on your business tariff, which cuts both ways. Nobody's inflating it by a set amount, but nobody's shielding you from a bad rate either.

And the worst rate of all is the one you drift onto without noticing. If your fixed contract ended and you rolled onto "out of contract" or "deemed" rates, you could be paying dramatically more than a business on a negotiated deal, for the exact same electricity.

The move from Business Expert: find your contract end date today. ⏳ If it's already rolled over, or it's coming up in the next few months, get quotes before it does, not after. Deemed rates are where suppliers make their easy money, and it's your money. 💷

With costs climbing everywhere, this is one bill where an hour of admin can genuinely claw some back.

Do you actually know when your business energy contract ends?

The Budget lands on 28 October, and for once the smart move is to ignore the noise and watch three specific things. 🏛️👀 ...
28/09/2026

The Budget lands on 28 October, and for once the smart move is to ignore the noise and watch three specific things. 🏛️

👀 1. Capital Gains Tax. Rises to income tax, employee National Insurance and VAT have been ruled out, which makes CGT one of the likeliest places to raise money. If you might ever sell your business or shares, watch for a higher rate, or a cut to the £1m Business Asset Disposal Relief that softens the tax when you exit.

2. Dividends and frozen thresholds. Headline rates are protected, so the quieter levers matter more. If you pay yourself in dividends, or thresholds stay frozen while wages rise, you can end up paying more tax without a single rate changing. That's the bit that sneaks up on you.

✅ 3. What's already confirmed. Some good news is banked: VAT on electricity drops to 0% from 1 October, and hospitality gets a business rates cut from April 2027. Worth knowing before you assume it's all bad.

The point from Business Expert: a Budget rarely changes what you do overnight, but it often changes when you should do it. If a big sale or a dividend decision is on your horizon, the timing around 28 October can genuinely matter.

None of this is a cue to act yet, it's a watch-list. The detail on the day is what counts.

Which of the three affects you most?

No one warns you that running a business means becoming a part-time tax detective. 🔎Somewhere in your search history, at...
25/09/2026

No one warns you that running a business means becoming a part-time tax detective. 🔎

Somewhere in your search history, at 11pm, is a very specific and slightly unhinged list. 😅 "Is a coffee with a client deductible." "Can I claim my home office." "Is my dog a business expense if he technically guards the laptop."

It's funny until you realise how much money rides on the answers. Claim too little and you overpay tax you never owed. Claim too much and you're one HMRC letter away from a very bad week.

The rule of thumb from Business Expert that clears up most of it: an expense is usually allowable if it's "wholly and exclusively" for the business. A fair share of your home office, yes. Client entertaining, sadly no, however much you network. The haircut, no, even if you're on camera. The dog, please stop. 🐕

The honest bit: the edge cases are exactly where a good accountant pays for themselves many times over. Googling is free. Getting it wrong isn't.
What's the most ridiculous thing you've genuinely googled trying to expense it?

"We can't pay much, but it'll be great exposure." 🙃Every business owner has had this message. The job that's somehow bot...
24/09/2026

"We can't pay much, but it'll be great exposure." 🙃

Every business owner has had this message. The job that's somehow both "small and simple" and "really important to us", with a budget that mysteriously vanishes the second you say your price.

Here's the thing about exposure: it has never once paid an invoice. 💸 You can't pay staff in it, HMRC won't accept it, and the landlord isn't interested. If the work is valuable enough to be worth doing, it's valuable enough to be worth paying for.
That's not to say every "no budget" client is trying it on. Some genuinely can't afford you, and that's fine, they're just not your client yet. The trouble is only when you let the flattery talk you into working for free and calling it strategy.

The gentle line from Business Expert: exposure isn't a currency, it's a discount you give yourself. Charge for the work, or choose to gift it on purpose with your eyes open. Just don't let someone else decide your time is free.

A calm "my rate for this is £X, happy to send a quote" 🙂 ends the conversation with the right people and quietly filters out the rest.
What's the best "exposure" pitch you've ever been sent?

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