SME Guides
Practical finance, written plainly
In-depth guides on the questions SME owners and directors actually ask — written to teach, not to sell. Start with the one that stings most.
How to instruct your accountant
Your accountant keeps you compliant, not informed. How to restructure your chart of accounts and get monthly management accounts you can steer by.
Read the guide →Budgeting as an SME
A budget is a decision, not a prediction. Which budgets an SME actually needs, how to build one from your real drivers, and how to use it against actuals every month.
Read the guide →How to use AI — practically, as an SME
Where AI genuinely earns its keep in a small business — and where it quietly costs you. Start with one task, keep a human on the numbers, and see how this very site was built.
Read the guide →How to set up cash flow reporting and a cash flow forecast
Rebuild the past from your bank data, then forecast day by day for 13 weeks — so a thin week shows up while you can still do something about it.
Read the guide →Cash flow management for an SME
The cash is often already yours, just arriving too late. The levers to pull it forward: get paid faster, pay well not late, and what to do when it gets tight.
Read the guide →How to document processes (and survive a generational handover)
Most SMEs run on knowledge that lives in one or two heads. How to get it out of them: name and rank your processes, document the risky ones well, and survive an illness, a handover or a sale.
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