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Start up · Handbook
Start Up Loan preparation guide
Learn how to reduce avoidable delays, strengthen your application, and improve your approval outcome.
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Free, instant access guides, written by us, for founders like you. Our growing library contains both downloadable PDF handbooks and bite-size articles on a wide range of topics related to funding your business.
The PDF Guides
Downloadable guides by bizbritain.
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Funding · HandbookGuide to funding a UK business
A plain-English guide on how UK businesses raise finance, and how to give yourself the best chance of a yes.
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Start up · HandbookStart Up Loan business plan preparation guide
A preparation guide for the business plan sections of your Start Up Loan application, built around the questions myplan actually asks.
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Start up · HandbookStart Up Loan cash flow forecast preparation guide
How the Start Up Loans cash flow forecast builds itself in myplan, and the sales, pricing and cost figures to prepare.
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Start up · HandbookPersonal survival budget preparation guide
What the personal survival budget is for, the fourteen categories to have figures ready for, and how it sets the salary your business pays you.
Read online
Bite-size guides for the specific question in front of you.
Short articles written by the bizbritain advisory team. Stay up to date with the latest information and guidance for SMEs.
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Buying a business with staff: what TUPE means for the price and your loan
TUPE when buying a business: which staff contracts, holiday and claims move across to you, and how to reflect them in the price and your loan.
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Merchant cash advance: how it works, what it costs and when a loan is cheaper
A merchant cash advance is repaid from your card takings plus a fixed fee. How the factor rate works, and when a term loan or overdraft costs less.
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Can a limited company get a Start Up Loan? No, but its founders can
A Start Up Loan for a limited company is a personal loan to each founder. How the money gets into your company, and the Companies House step to take first.
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Due diligence when buying a business: five things your lender will check
Due diligence when buying a business also builds the evidence your lender needs. The five areas it checks, and the gaps that slow a decision down.
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Seasonal stock: use a term loan for the order and an overdraft for the gap
Term loan or overdraft for seasonal stock? Usually both. How to split one Christmas stock bill between them, and what lenders ask now costs are rising.
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How to value a business you want to buy: what a lender will actually fund
How to value a business to buy the way a lender does: the profit it uses, the addbacks that stand up, and what to do when the asking price is more than the bank will fund.
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Asset sale or share sale? What changes when you fund the business you are buying
Asset sale vs share sale: buy the company, or buy its parts. What each one changes about tax, staff, old debts and what a lender will lend against.
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How an earn-out works when you buy a business from a retiring owner
An earn-out lets you pay part of the price for a business later, if agreed targets are met. Here is how it works with a retiring seller, and how a lender sees it.
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Your customer has gone into administration. Three ways to cover the cash gap, ranked by speed
What to do when a customer has gone into administration owing you money: the first-day steps, why invoice finance will not fund that invoice, and three ways to cover the gap.
Updated daily · reviewed regularly for updates
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