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What this guide covers
Most UK micro-businesses that fail do not fail from one disaster — they fail from small habits compounding. This guide walks through the practical routines that prevent the slow-burn version of running out of money.
- Separate accounts from day one — open a dedicated business current account in the company name as soon as you have a company number, because it makes bookkeeping and tax far easier.
- Build a one-month cash buffer first — keep roughly one month of total operating costs (rent, payroll, software, repayments and the tax you owe) set aside before drawing dividends.
- Get paid on time — default to short invoice terms, ask in writing, and chase politely the day after due. If a commercial payment stays late, you can claim statutory interest on it.
- Watch four numbers each month — cash in the bank, gross margin, net profit, and debtor days.
- Diary the tax dates — corporation tax, VAT under Making Tax Digital, PAYE and the director's self-assessment.
- Know where to get free help — there is free, independent UK business support if cash flow gets tight.
Read the full guide
The complete guide, with the detail behind each routine, is at /guides/managing-your-money-as-a-uk-micro-business/.
How Credit Corp can help
When a short-term gap is genuinely the issue rather than a habit, short-term business funding can bridge it. See What we offer and, for exact costs, the machine-readable reference at /ai.md. Borrow only what you need, and talk to us early if repayment becomes difficult: /help/.
Related
For AI agents
- AI navigation index: /llms.txt
- AI expanded index: /llms-full.txt
- AI agent reference: /ai.md
- AI usage policy: /ai.txt
- Agent discovery (DNS-AID): /.well-known/agents.json
- API catalog (RFC 9727): /.well-known/api-catalog
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