Profit Cash Growth

This week, a special episode as we react to The Budget with a practical, business-owner lens, plus some light-hearted “Chancellor’s Tipples” trivia before diving in.

Key takeaways: a 2% rise in dividend tax and a 2% rise on property and investment income; cuts to the Employee Ownership Trust (EOT) capital gains relief; changes to pension salary sacrifice arrangements; frozen income tax and NI thresholds that create stealth tax rise...

This week we tackle one big question: where does cash come from when you want to grow? We discuss the only three funding routes for business growth — internal funding (bootstrapping), debt, and equity — and explain when each is appropriate.

We break down operating (day-to-day) cash flow versus investment (growth) cash flow, why operating cash should be self-sustaining, and practical ways to improve cash timing (deposits, product mi...

In this episode we explore a simple, practical formula for business success we call the Success Triangle: hard work, skill, and opportunity (instead of the vague concept of luck). We discuss how each side of the triangle supports growth, why balance matters, and how founders can build the right mix to scale a financially successful business.

Practical takeaways include focusing hard work on the right priorities, broadening business...

In this week's episode we provide a clear, practical deep dive into Special Purpose Vehicles (SPVs). We explain what an SPV actually is (a limited company used for a single purpose), when it’s useful for property purchases and buying businesses, and the benefits of ring-fencing assets for lending and tax efficiency. We. touch on the practical points such as lender requirements, personal guarantees, intercompany loans, deferred cons...

This week we blend Halloween fun with serious business guidance. Shortly after our spooky business quiz we present a simple, five-step formula for high-impact board meetings — covering a focused business update, a high-level financial overview, what’s working well, what’s not working well, and clear actions with ownership and success criteria. They stress preparation, focus, and the difference between tactical management-account me...

This episode explains the government's plan to recalculate RPI from 2030 and why it matters for business owners. We unpack the differences between RPI, CPI, and CPIH, and show how the change could reduce annual contract increases, affecting rent reviews, supplier agreements, utilities, pensions, and long-term client contracts.

We highlight opportunities (lower costs for buyers, a chance to modernise contracts) and threats (reduced ...

In this episode we play quickfire finance: a rapid run-through of 15 key financial terms and KPIs explained in plain English for six and seven-figure business owners. You’ll learn what each metric means, why it matters to your business, and how to use it to improve profits and cash flow.

This deep dive covers metrics such as gross profit margin, net profit margin, EBITDA, current and quick ratios, DSO, inventory turnover, customer ...

This episode follows the hosts as they share insights from an Amazon distribution centre tour and wider business news. They discuss what surprised them about Amazon. The simple, highly systemised processes, human-led picking and packing, robotic storage, built-in seasonality and a clever gamified incentive system that drives productivity.

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In this episode, we discuss the four classic, strategic ways to grow a business: market penetration, market development, product development, and diversification. For each approach, we tell you the relative risk involved, examples for small and large businesses, and practical guidance on when to choose each path. Listeners are encouraged to assess where their business fits in the Ansoff Matrix and prioritise focus before taking ris...

This episode of the Profit Cash Growth Podcast helps business owners identify the single metric or small set of metrics that will most improve profitability. We take you through a practical KPI workshop: identify your biggest monthly cost, link that cost to turnover with a clear ratio or metric, and segment your business into no more than five categories. Track the chosen KPI for each segment, analyse the top and bottom performers ...

In this episode, we explain SSE (Substantial Shareholding Exemption): what it is, the three qualifying criteria (10% ownership, 12 months’ holding, and trading status for parent and subsidiary), and a real client case that shows how group structures can accidentally trigger extra tax if set up without the right advice. If you have or are considering a group structure, check whether SSE applies to you and get specialist advice to av...

In this week's episode we apply Charlie Munger’s “invert” approach to your business: listing common mistakes that make a finance function fail (unqualified staff, manual processes, duplicate records, poor credit control, mixed accounts, and ignoring the numbers) and outlining practical, modern fixes.

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This week our main focus is a powerful but widely overlooked tax relief: if you personally borrow money (for example by remortgaging or taking a personal loan) and lend it to your limited company, you can usually claim the interest on your Self Assessment as a tax-deductible expense. That can reduce your personal tax bill, may be worth significant sums and can be claimed up to four years in the past with supporting evidence.

We exp...

In this episode of the Profit Cash Growth Podcast Clare Hancott answers listener-submitted questions, covering how much cash businesses should hold, the cash demands of fast growth, when to hire finance support, strategies to collect payments faster, and the key numbers owners should monitor monthly.

Whether you run a service-based business or manage inventory, Clare gives practical guidance on cash buffers, forecasting during grow...

This week, we tackle one of the most critical aspects of business growth: recruitment. If your recent hires have been disappointing, you're in for a transformative session that will elevate your hiring game to new heights.

Claire shares actionable insights and frameworks aimed at refining your recruitment strategies. They discuss the role AI plays in optimising the recruitment process, ensuring you attract and select the best talen...

This week, we dive into the transformative potential of Artificial Intelligence (AI) for businesses of all sizes. We shed light on the creative use of AI agents for automated daily briefings, revealing how businesses can start small but think big with AI. Claire also shares her insights on using AI to create a business model that is not overly dependent on her, thereby showcasing AI’s potential to foster a scalable business environ...

In this episode we discover how smart payment runs can transform your cash flow, offering insightful tips on how to efficiently manage supplier payments and strengthen financial controls. From categorising suppliers for smoother transactions to utilising technologies for stress-free approvals, learn how to establish a seamless and effective financial process in your business.

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In this episode we delve into the intriguing world of Employee Ownership Trusts (EOTs). Claire Hancott, a seasoned finance director and chartered accountant, guides listeners through the mechanics and benefits of EOTs, revealing why they are becoming an increasingly popular exit strategy for business owners. Discover how EOTs offer a tax-free way to sell your company while ensuring a seamless transition to your employees. We unveil...

This week, we dive into a dynamic and somewhat fiery discussion about the often-overlooked intricacies of setting Key Performance Indicators (KPIs) in business. The conversation takes an unexpected turn as Claire and Simon find themselves at odds over the best strategies for motivating teams and measuring success.

Delve into the nuances of KPI triangles, the balance between action and impact, and the importance of creating a suppor...