Profit Cash Growth

How did Poland go from earning 16p for every pound a British person earned to 83p in just 25 years? And more importantly, what does that extraordinary economic transformation mean for the way you run your business? In this episode, Claire and Simon break down the eight key decisions that turned Poland into Europe's greatest economic success story, and apply each one directly to what growing busine...

What would Andy Burnham's Britain actually mean for your business? In this episode, Claire and Simon run through the policies being floated under potential new leadership, from national insurance changes and business rate cuts to flat-rate inheritance tax and a radical property tax overhaul. This is a frank, commercial take on what might change, what's already been ruled out, and why the gap betwe...

This week Claire breaks down a court case that sounds like a joke but has serious implications for any business that sells products or services as part of a bundle. The KFC sauce pot VAT case has opened the door for businesses across food, retail, and beyond to look again at how they are charging VAT, and possibly claim some of it back. If you run a business that bundles products or services toget...

This week Simon and Claire dig into the biggest business story of the year so far: SpaceX's $1.7 trillion stock market flotation, which has made Elon Musk the world's first trillionaire. They use it as the jumping-off point for a plain-English deep dive into what an IPO actually is, where the idea came from, and whether any of this matters if you're running a six or seven figure business rather th...

Rachel Reeves announced seven policy changes outside of the normal fiscal calendar, and Claire Hancott breaks down exactly what they mean for business owners and the people running them. From the mileage rate increase that's been frozen for 15 years to the VAT cut on kids' hospitality that might never reach consumers, this episode cuts through the noise to tell you what actually changes for your b...

What should your monthly management accounts actually look like, and what should they be telling you? In this episode, Claire walks business owners through exactly what Profit Cash Growth delivers to clients on a monthly basis, from the executive summary to the cash flow forecast to the taxes tab, and explains why the goal of every number is to drive a decision in the next 30 days. Key topics cove...

Your year-end accounts are not a management tool. For business owners turning over seven figures, waiting for annual accounts to understand how your business is performing is not just inefficient; it is genuinely dangerous. In this episode, Claire breaks down exactly why statutory accounts were never designed to help you run your business, and what better financial reporting actually looks like. K...

In this episode we took a factory tour of Bremont, one of the UK's only luxury watch manufacturers, and walked away with something we didn't expect: a masterclass in how to build a brand that commands premium prices, generates genuine desire, and attracts exactly the right customers. This episode is for any business owner who wants to understand how positioning, scarcity, and storytelling translat...

This episode is a practical commercial audit for business owners who want to understand whether their business is genuinely protected from competition, or whether they're one well-funded rival away from a serious problem. Claire and Simon dig into Porter's Five Forces, specifically the threat of new entrants, and map out the real-world strategies six and seven-figure business owners can use to bui...

Most business owners think hedging is something airlines and banks do. It isn't. It's something every business with uncertain costs or foreign income is already doing badly — or not doing at all. In this episode, Claire explains what hedging actually is, where it shows up in business and everyday life, and how businesses between £1m and £20m can use it to protect their margins and make smarter dec...

On this episode of the Profit Cash Growth Podcast Simon and Claire discuss what happens when your reported profits don’t match the cash sitting in your bank. They open with a short news note about low consumer confidence in the UK and then move into the main topic: the gap between equity (retained profits) and cash. Claire explains how to calculate the gap (equity less total cash in bank accounts)...

If you've been thinking about changing accountants but keep putting it off, this episode is for you. Claire breaks down exactly why business owners stay with the wrong accountant for too long, demystifies the switching process from start to finish, and explains why the fear of moving is almost always bigger than the reality. Whether you're at half a million or heading toward seven figures, this is...

This week we break down Making Tax Digital (MTD) for income tax and explain what it means for six- and seven-figure business owners, landlords and the self-employed. Claire defines MTD, why HMRC is moving to digital records and quarterly updates, and how the change affects people with rental income or sole-trader/self-employed turnover. They cover who is in scope (personal rental income and self-e...

On this episode of the Profit Cash Growth Podcast we tackle a debated question: when does a small business become a big business? Aimed at six- and seven-figure business owners, the conversation explores practical frameworks to understand scale, profitability and growth. We run a four-round "battle-off" covering metrics (turnover, headcount, locations and funding), the subsidy argument (who deserv...

On this episode of the Profit Cash Growth podcast, hosts discuss the race to use annual tax allowances before the 5th of April and share practical tips for six- and seven-figure business owners to protect profits and improve cash flow. The deep guide covers six year-end tax actions you can take now: use the Employment Allowance (up to £10,500 of employer NIC relief), consider the annual pension al...

In this sequel episode, we explore five things business owners often don’t worry enough about: cash flow timing, business model quality, funding strategy, over-reliance on the owner (key-person risk), and skill stagnation. We share real-world examples and practical advice on how to spot and address these issues before they derail growth. ⭐ Rate, Review & Share this episode with fellow busines...

This episode breaks down the five common overreactions we see from business owners: obsessing over competitors, panicking about tax bills, fixating on vanity metrics (like revenue or social followers), overinvesting in branding or premises, and fearing one wrong decision. Simon and Claire explain why these concerns are often misplaced and share practical ways to focus on what matters: profit, cash...

In this episode of the Profit Cash Growth Podcast we focus on AI in the finance function: Xero’s AI bank reconciliation feature (its limitations and risks), OCR and machine‑learning invoice processing (Dext, others), AI commentary tools for management accounts (Sift, Fathom, DataRails), and the wider question of whether AI can replace CFOs, accountants or bookkeepers. The discussion explains where...

In this episode, we explain why debt itself isn't dangerous but the wrong debt or bad decisions can be. Claire walks through the four most common types of business finance — asset finance, term loans, commercial mortgages and invoice finance — and when each is appropriate. Core principles covered: match the length and type of funding to what you're buying, distinguish short-term operating needs fr...

In this week's episode we deliver a fast-paced run-through of 20 legitimate tax savings for business owners. The episode mixes practical tax tips with lighthearted chat and a brief news segment on AI. Highlights include the £300 annual entertaining allowance per couple, low 3% benefit-in-kind for electric company cars and first-year full expensing, turning business trips into leisure, free EV char...

On this episode of the Profit Cash Growth Podcast, we outline the three levels of financial support every growing business needs: Financial Foundations (compliance, bookkeeping, basic management accounts), Financial Control (a qualified financial controller focusing on processes, reporting, cashflow and forecasting), and Finance Strategy (regular FD input for board-level planning, KPIs, tax planni...

On this episode of the Profit Cash Growth Podcast we explain the fastest way to increase profit without making more sales: improve utilisation. We break utilisation into six asset categories — people, equipment and vehicles, property and space, systems and software, customer lists/data, and working capital — and give clear metrics and tactics to measure and improve each one (revenue per employee,...

On this episode of the Profit Cash Growth Podcast we unpack the "thousand-day rule"—why building a stable, profitable business usually takes years and how you can speed that timeline up. We break down the reality behind overnight-success myths, and share five practical ways to shorten the journey: work more on your business (not just in it), hire the right people to free your time, get others cont...

The episode explains HMRC's renewed focus on the £40bn tax gap, the government’s investment in compliance staff and data tools, and why accurate record-keeping (primary and secondary records, VAT invoices, addressed invoices over £250) matters now more than ever. We cover common trouble spots — Amazon and marketplace invoices, landlord rental income, work-from-home claims, software subscriptions a...

In this episode, we explore how adding friction to payment processes can hurt your cash flow and what to do about it. Explaining why offering only one payment method loses you time and money, and introduces the idea of treating customers as "B2Me" — giving each buyer a choice of convenient payment options. The goal is to remove barriers so customers can pay quickly and reliably. The episode outlin...