#33 PRIVATE CREDIT VS THE BANKS - PART 1: Who Wins and Who Loses?
The rules of business finance have changed. Interest rates have moved, lender priorities have shifted and the structures being used to get deals done look nothing like they did three years ago. If you...
14 Okt 26min
#32 HMRC IS WATCHING - What Charities and NFPs Need to Know in 2026
HMRC has changed how it scrutinises charities. It now uses AI-supported analytics to cross-reference tax filings, public records, social media and more than 30 external databases. Even minor inconsist...
7 Okt 25min
#31 THE ENTREPRENEURSHIP TAX - What's Holding Britain's SMEs Back
Britain built its reputation on the back of people who took risks. The entrepreneurs who started with nothing, backed themselves and built something. That spirit hasn't disappeared. But the conditions...
30 Sep 23min
#30 AI LIPSTICK - PART 2: Why Most SMEs Are Not Getting What They Paid For
Only 41% of UK SMEs say their workforce has the skills to use AI effectively. Only 45% say their AI investments have delivered a measurable return. Donald Boyd is not surprised. He has watched firms b...
23 Sep 24min
#29 THE RESILIENCE GAP - PART 1: Why Some SMEs Will Not Get Through This
The Azets Barometer told us something interesting. Split almost down the middle. 46% of SMEs pessimistic. 43% optimistic. Donald Boyd has been advising SME businesses for over 30 years and says the da...
16 Sep 21min
#28 DEBT OR EQUITY - How Businesses Should Think About Funding Growth
Most business owners think about funding when they need it. By that point, their options have already narrowed. Whether you are investing in technology, expanding into new markets, making an acquisiti...
9 Sep 26min
#27 DEBT DECISIONS - Is Now the Right Time To Refinance
One business owner had stacked so many loans that his monthly repayments hit £35,000. He was profitable. He was thinking about selling up because the debt had become unbearable. Mark Barrie's team rev...
4 Sep 20min
#26 CASH IS KING - PART 2: The Decisions SME Leaders Can't Keep Putting Off
When Peter Gallanagh wants to know how a business is really doing, he does not ask the owner. He asks the receptionist. That instinct for ground-level truth is what runs through this conversation. In...
26 Aug 13min
