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Our 'start-up' briefing combines practical tips from
over 300 independent experts, which will help you write your business
plan and consider the following questions:
Do you need funds? As a start-up you may be eligible
for a grant. If so, we'll point you in the right direction. If you need
more, depending on the size and nature of the loan, you could consider
an overdraft, a business mortgage, or possibly a personal loan.
Where will you be based? If you intend working from
home, make sure you're not breaking any mortgage, landlord or local authority
restrictions. Also you have to balance offsetting some 'housing' costs
with the fact that you might be subject to capital gains tax if you sell
your property. If you're not working from home, don't tie yourself into
inflexible leases. Also check out what help your local authority is offering.
Where's your safety net? It pays to be cautious. Our
insurance specialists will help you decide which policies you need and
which you don't.
What about the future? Pensions (for yourself, and your
staff?) may be the furthest thing from your mind right now, but it's best
to know what options exist and, for instance, what tax benefits they might
bring.
What about you? We don't forget that behind every
business is a real person. Neither should you! So as well as considering
all the business banking possibilities, now's the time to sort out your
personal finance, too.
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