SHScott Harris

1. Article · Sep 2, 2026 · Scott Harris

   This is why 30 to 50 of SMEs struggle to pay bills despite being profitable (opens the original)

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   According to various credit and small business surveys over the past two years, between 30 per cent and 50 per cent of SMEs say they are struggling to pay bills despite being profitable on paper. The reason usually comes down to working capital. Put simply, working capital is the funds you have to meet your day-to-day needs. It can be measured by adding your inventory days (how long it takes to convert raw materials into products) to your receivable days (how long customers take to pay you) and

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2. Article · Aug 5, 2026 · Scott Harris

   Why many business owners use a pension for tax efficiency and what will change (opens the original)

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   For many business owners, a pension is one of the most tax-efficient ways of building long-term wealth. However, from April 2027, changes to Inheritance Tax (IHT) will mean pensions are included as part of wider tax and estate planning. For advice, individuals need to engage with financial advisers rather than tax or accountancy firms. However, there are a few staples that small business owners should be aware of to make the most of their pension planning. Contributions to a pension can be made

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