The Bank of England, PRA and FCA start jointly overseeing four cloud and tech providers, AWS, Google Cloud, Microsoft Ireland and Oracle, from 13 July 2026, after Treasury designated them as critical to UK financial stability. What this means and why it matters beyond the firms involved.
The UK government has launched a 12-week consultation on plain white packaging and shop display restrictions for vapes and nicotine pouches marketed at children, alongside a new Vaping Products Duty starting 1 October 2026.
The UK's bluefin tuna charter quota has doubled for 2026, but many standard travel policies exclude deep-sea fishing. What permits are needed, and what participants and operators should check on insurance.
What public liability insurance covers for UK painters and decorators, typical cover levels for domestic and commercial work, and how it differs from employers' liability insurance.
Gas Safe Register does not check or require public liability insurance for registration. What UK gas engineers need to know about cover levels, employers' liability, and what landlords and local authorities actually expect.
UK sole traders aren't legally required to have a business bank account, but most banks' own terms prohibit business use of personal accounts, and FSCS protection works differently than many assume.
Automated reputation checkers routinely flag legitimate small business websites based on domain age and review history, not actual risk. Here's how the process works and how to dispute it.
What class of use actually means on a UK car insurance policy, why business use must be declared, and why hire and reward is a separate category delivery drivers often need.
When a home-based business genuinely needs a separate business energy tariff in the UK, and when your existing domestic supply continues to apply.
How UK charities qualify for reduced 5% VAT and Climate Change Levy exemption on non-business energy use, and how to claim it if you have been overpaying.
How multi-site UK businesses manage energy contracts across several locations, including consolidated billing, flexible purchasing, and bill validation at scale.
How UK business energy brokers and third party intermediaries earn commission, why it is usually hidden inside your unit rate, and the questions worth asking before signing.
The Climate Change Levy (CCL) is a tax on energy used by businesses and public sector organisations in the UK. In 2026, rates are set per kWh for electricity, gas, and other fuels. Reliefs exist for energy-intensive sectors via Climate Change Agreements.
Business energy differs from domestic: no price cap, no dual-fuel tariff, no cooling-off period, longer contracts and fixed switching windows. A plain-English comparison.
There is no price cap on business energy in the UK. Why Ofgem caps domestic tariffs only, how business rates are set, and what protects a firm from high prices.
TG Jones, the former WH Smith high street chain now owned by Modella Capital, faced a High Court hearing on 29 June 2026 on a restructuring plan that would close up to 150 stores. Without court approval, administration by 31 July 2026 is the stated alternative. Around 4,700 jobs are at risk.
A business credit score determines whether lenders, suppliers and landlords extend credit. This guide covers how UK business credit scores work, which agencies score businesses, and how to improve your rating.
Poor cash flow is the leading cause of small business failure in the UK. This guide covers cash flow forecasting, the Late Payment Act, HMRC Time to Pay, and the finance options available when gaps occur.
Working capital finance covers the gap between money going out and money coming in. This guide compares overdrafts, revolving credit, invoice finance, merchant cash advance and business loans using UK primary source data.
UK business loans in 2026: rates from 6.9% APR, amounts from £1,000 to £5 million, terms from 1 month to 25 years. This guide covers types, costs, eligibility and how to compare lenders using primary sources.
If a UK bank declines your business finance application, it must offer a referral to one of three government-designated finance platforms. Launched 2016 under the Small Business, Enterprise and Employment Act 2015. Free to use, no credit impact.
The UK government Start Up Loan provides £500 to £25,000 at a fixed 7.5% rate from 6 April 2026, repayable over 1 to 5 years. No security or equity required. Free 12-month mentoring included. Trading up to 60 months now eligible.
The Growth Guarantee Scheme provides a 70% government-backed guarantee to lenders on business loans up to £2 million. Extended to 31 March 2030. Turnover cap £45m. Complete guide to eligibility, products, lenders and application.
The FCA opened consultation CP26/23 on 29 June 2026, proposing to remove business with non-UK customers from the Consumer Duty. Closes 18 September 2026. What wholesale firms and UK retail consumers need to know.
Calculate UK asset finance payments. £50K at 8% APR over 5 years is approximately £912 per month. Compare Total Cost of Finance, not just monthly payment.
Offering finance to UK customers requires FCA authorisation or appointed representative status. BNPL is regulated from 15 July 2026.
Plant depreciation differs for accounts and tax. AIA gives 100% first-year relief up to £1m. WDA applies at 18% main pool or 6% special rate.
Used plant saves 40-70% versus new and still qualifies for AIA. Finance available for machines up to 15 years old. Same tax rules as new plant.
Commercial vehicle loans cover HGVs, trucks and specialist vehicles. AIA up to £1m available. FLA reports 15% fall in HGV finance in Jan 2026.
Vans qualify for AIA up to £1m, unlike cars. No 15% contract hire disallowance. Electric vans have a £0 BiK rate for 2026/27.
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