Episode 20 | How to get finance into your business

July 01, 2022 00:28:22
Episode 20 | How to get finance into your business
Let's Get Down to Business
Episode 20 | How to get finance into your business

Jul 01 2022 | 00:28:22

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Show Notes

This month, we are discussing the ways you can generate cash and/or finance into your business.

Nowadays, there are so many ways to raise funds for your business, whether you’re just starting out, growing your business, or working on an expansion project… However, it isn’t just an easy as picking an off the shelf package and getting going. There are several considerations and risks that you will need to analyse ahead of taking out finance.

To help clear up some of the fog around generating finance into your business, we fired some questions at Will Richardson, Partner at A4G sister company, A4G Growth. Will assists businesses to source the best forms of commercial finance and providing them with the advice they need to make sound business decisions.  

By listening to this podcast, you will learn: 

✅ The most common ways small you can get into finance into your business and how to navigate these smoothly

✅ The importance of having a business plan, up to date management information and cash flow plan when getting finance

✅ Your finance options such as commercial finance, asset finance, invoice finance, stock finance, development loans, bridging finance, crowdfunding

✅ How to access finance options

✅ What programmes like incubators and accelerators are and when to choose this finance option

✅ How to generate cash with grants, what grants are available right now and how to overcome the hurdles

✅ Why you may choose investment over borrowing

✅ Practical advice on generating cash and raising finance  


Let’s continue the conversation…

Raising finance is part of our Business Breakthrough Growth Programme where we can create a personalised programme for you and your business to achieve growth, including generating cash and finance to reinvest into your business. Find out more about our Breakthrough Growth Programme here.

Alternatively, download this PDF with all of our Business Breakthrough Programmes which you can share with your network.  

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Book a free discovery call with one of our growth advisers

Kent and Medway Growth Hub

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Episode Transcript

Speaker 0 00:00:00 By this point in our series, you will have chosen a growth strategy and put your marketing plan in place for that growth. The next step is what finances you may need in place in order to carry out these well thought out plans. Nowadays, there are so many ways to raise funds for your business, whether you are just starting out planning a new growth project or working on an expansion. However, we know that it isn't just as easy as picking off the shelf package and getting going. There are so many considerations and risks that you will need to consider as part of taking on any sort of finance into your business. I'm Charlotte and you are listening to let's get down to business, a podcast by a 4g chartered accountants. We're an accounty practice based at Kent with over 25 years of consistent growth. In this series, we will take you through each stage in your journey to growing your business and how to overcome the hurdles along the way so that you can achieve a healthy growing business that is less dependent on you. So let's get started. Speaker 0 00:01:03 Hello and welcome to this week's episode of let's get down to business. Before I introduce our guest today, I just wanted to remind you to check out our breakthrough growth program, a program designed to take you through every step of growing your successful business. Perhaps now more than ever. We all understand the security a well oiled business can bring to you and your family. So whether you are just starting your journey or need the extra push to reach your ideal goals, this program could be for you, sign up or book a free discovery call now to discuss how we container this program to your business, to do this head over to www dot a 4g hyphen LLP dot code UK slash business breakthrough slash growth, or email us on inquiries at a 4g hyphen LLP dot code UK with me today is will Richardson partner at a 4g growth. Who's going to clear up some of the fog around generating cash or finance into your business, as well as some of the alternative ways to generate cash, which you may not have thought of. Hi, will. How are you? Speaker 2 00:01:59 Hi Charlotte. Yeah, no, well, thanks. Speaker 0 00:02:01 Good, good. Um, so will just to kick us off and for our listeners benefit, could you just give us a brief background of who you are and what you do please? Speaker 2 00:02:09 Yeah, I mean, I'm a partner in a 4g growth, which is a, uh, assisted company to, uh, the main, uh, accounty practice. Uh, and the primary thing we do is we assist businesses, both a 4g clients and non clients, uh, to, to try and source the best forms of commercial finance, uh, for their businesses, uh, looking across the whole market and providing them with the advice they need in order to make, uh, you know, good sound business decisions. Speaker 0 00:02:37 Fantastic. So I know we're talking to the right person here. And as I mentioned in my introduction, I want to break down some of the barriers around how businesses can generate cash into their business. So we'll probably touch on the usual ways that people are aware of, such as, you know, borrowing from friends and family or taking out a high street bank loan, but it obviously would be great to cover some of the less common and more creative ways we've supported clients, hopefully get some of our listeners brains worrying. So our listeners are gonna be coming from different size businesses with different lending criteria. They're probably gonna have different asset profiles be operating within different industries can be offering different services or products or both. And most importantly, they're gonna have different appetites for risk. So a lot of what we discussed today is gonna be a bit generic, but hopefully we can apply a bit of information around what types of funding would suit you in your business. Speaker 0 00:03:26 And of course we are available to discuss individual needs. Once you have digested this podcast, I am however, going to need to include a word of caution here, that all funding options we discussed today, come with risks, which can impact both your business. And you personally. So if you are considering the need for finance in your business, I would strongly recommend you take some financial advice from a trusted advisor and ensure you have tight measures in place to keep an eye on your cash flow, set up your forecasts and plans to stretch your, to test your stretch limits and monitor key cash metrics such as your debt and credit today, as well as your growth profit margins. So with that in mind, and to get us started, will, what would you say are the top three or four most common ways, small to medium size businesses get finance into their business. And do you have any advice around navigating these smoothly? Speaker 2 00:04:18 Yeah, I mean, a lot of it depends on where a business is in its business cycle. I mean, with startups typically, uh, it tends to be, as you mentioned earlier, family and friends, uh, you know, there are, there are grants available and stuff, and we'll touch on that later, but generally speaking debt finance, isn't the way to that. Most people will start a, a small to medium size businesses. Uh, you could also speak to your, to your high street bank for lending. Uh, if you already bank with a high street bank and, and you've got a good, uh, record with them, that may be also a sort of potential source of funding. <affirmative>, uh, there's also there's crowd funding, uh, and there's also investment, which is where, you know, external people will invest capital into your business. And then there are for more mature businesses. There are also a whole suite of different types of boring commercial lending, uh, which we will touch on, uh, during the course of, uh, course of this podcast. Speaker 0 00:05:15 Brilliant. And I suppose while we're looking at like the common ways, I guess people raise finance, I know that there are some potentially hazardous options. Shall we say available with companies know, perhaps preying on some people's urgent need for that finance and, and by this, I mean, using personal credit cards and potentially at the worst of this payday loans, could you just briefly run through some of the main issues people run into using these sorts of ways to generate cash for their business? Speaker 2 00:05:41 Yeah, well, I, I think as a general rule of thumb people shouldn't mix their personal finance with business finance. So, you know, if, if, if you're starting a business business, uh, by using your own personal credit cards or, or by taking out payday loans, uh, uh, that is probably not a very good idea. And, and equally within the commercial finance market, there are what we might call sort of lower tier lenders, uh, who are, who will, will lend on very, very unfavorable terms, uh, but will take a, a wider view of risks. So may lend to people that potentially might have a difficulty in affording that borrowing. Uh, so I, I just think it's really all about affordability. You, you mentioned earlier in your sort of thing about being able to, you know, it's how important it is to set forecasts and, and, and track your cash flow, et cetera. Well, similarly, when you're starting a business up, that important thing to do is to, uh, is to have a business plan and to, uh, to have some forecasts and, and only borrow, uh, within, within what that, what that information is telling you that there's affordable. Speaker 0 00:06:46 Brilliant. And, and, and I think that's, that's right about affordability. So if we stick with lending options for a minute, there are all sorts of finance options for businesses around securing their business activities around that lending. Could you maybe just run through some of the common ones which crop up and how they work? Speaker 2 00:07:02 Yeah. I, I mean that there are many, many different forms of commercial finance, and even within each type of commercial finance, there are different flavors, but generally speaking, I mean, it really breaks down. You've got commercial loans, which could be from a high street bank, but there are also many off high street lenders. Now, commercial loans tend to be what's called a term loan. So they're for a fixed period of time, generally three or five years, uh, they're nearly always on a fixed interest rate. Uh, sometimes you'll have to provide personal guarantees to support those mm-hmm <affirmative>, uh, even on some occasions they might even need to be secured against a property. Uh, and it's just a, it's a loan that's injected straight into the business as, uh, uh, uh, into your cash flow cycle. Uh, you've also got, what's called asset finance, which is effectively when you're using your, your balance sheet in a way to, to, to raise funding. Speaker 2 00:07:55 Mm-hmm, <affirmative>, uh, it can be done in two ways, really it can be done against new assets, uh, and it can be done against existing assets are assets that you already own. Mm-hmm <affirmative>, uh, and, uh, the different types of assets will traditionally an asset was always something you could touch and feel, and, and, and if needs be, could be taken back and resold. So it would be equipment vehicles, that type of thing, but there are also, now some lenders will finance soft assets, which is things like, say, if you want, if your business wants to buy some expensive software to improve efficiencies, uh, but you, but you want to finance that, then this can also be done and regarded as an asset. Mm-hmm <affirmative>, you've also gotta thing called invoice finance. Uh, in the old days, it used to be called invoice factoring. Uh, this is where effectively lenders will advance money against your debtor book. Speaker 2 00:08:46 So you, so you have your clients who might owe you, uh, let's say a hundred thousand pounds, but they don't pay you for 60 days or more maybe, well, you can actually effectively raise money against those invoices. And, and a lender will advance you a percentage of the value of those invoices. Immediately. You raise the invoice, uh, you then pay a, a sort of a monthly fee. And on top of that, you also pay an interest rate on the money is borrowed. So that's another form. A stock supply chain finance is very, very prevalent in the retail trade, uh, where effectively you, you are raising money against, uh, the stock that you hold or that you've purchased. Uh, the stock forms the security for the loan, and then the lender will extend you a loan or a line of credit against that stock. Uh, and then we've got more traditional stuff, commercial mortgages. Speaker 2 00:09:35 If people wanna buy commercial property, they work very much like, uh, a normal domestic mortgage would they used to co to buy a commercial property that can be, you could be a business that wants to buy your own premises and, and occupy them yourselves. You might be somebody who wants to buy a commercial premises as a BYEC investment. Uh, again, generally terms are from 10 years, probably up to about 25 years. Uh, and there are lenders, or the high street will provide commercial mortgages, but also, uh, there are plenty of off high street lenders that will also do that as well, simply sticking on the property element development loans. If someone's developing a site, you, you need short term finance over 12 to 24 months, uh, that will be secured against the site itself. Uh, and then other areas like, uh, bridging finance, uh, if someone needs to bridge a period of time, uh, between a cash flow cycle, then you can provide short term loans. Speaker 2 00:10:31 These can be anything from three months up to probably about 24 months. So, you know, and, and there are O other forms as well. Uh, we touched earlier, we mentioned, uh, crowd funding. Uh, this is where you have a platform that links lots of individuals who, who want to lend money out to get a return on their money, that you have borrows on the other side. And the, and the platform connects the two, uh, and again, they tend to be in the form of a commercial loan. So it's a term loan, generally three or five years at a fixed interest rate. Uh, so yeah, I mean that, you know, there are, there are, there are myriad different, different types of commercial finance out in the market. Speaker 0 00:11:11 Wow. And that's fantastic. I mean, it's just eye-opening to see how many options there are when it comes to, to be now to get finance and that, you know, if one potentially doesn't work out or you don't qualify for it, there is many lots of, you know, different types of finance ways you can finance to explore. And I think that's what the whole point of this podcast is to try and give people information about how and where they can look and that it's a very wide market. Um, and you know, there's just a couple of avenues you need to go down. Speaker 2 00:11:42 I think that, Speaker 0 00:11:44 Yeah. Sorry guys. Speaker 2 00:11:44 Yeah, I think that's true. I mean, I think also what a lot of people, don't probably aren't aware of what I'd call the off high street commercial lending market. So they, you know, people will think generally about the high street bank. Maybe they have their personal account with that bank as well. But an actual fact, there are so many, uh, uh, uh, sort of tier two and tier three lenders, uh, uh, who are operating not so much in full view, but are operating through intermediaries, such as ourselves, et cetera, mm-hmm <affirmative> and looking to, and, and they have funds available to lend to businesses. And long lot of the time I find, I start engaging with people. They really weren't aware that there was this, this other, other route to accessing finance for their business. Speaker 0 00:12:28 Yeah. So where could our listeners go to start exploring these options and get access to some of these financial options then? Speaker 2 00:12:35 Well, um, many of them, I mean, as with everything in life, obviously, uh, using the, the internet is, is, is not a bad start. Although, you know, there will be bad lenders as well as, as good lenders advertising themselves on the internet. So a degree of caution, uh, needs to be exercised, but in a sense, that's really what part of what I do in, in that people come to me or they'll refer to me, and then I will, I, I, you know, I have relationships or as an intermediary as do many other intermediaries and with a lot of these organizations, and then we will, we will look to, to, uh, to the, to the best, uh, type, and also within that type, the best lender to meet a client's needs. Speaker 0 00:13:17 Oh, fantastic. Um, I wanted just to touch on programs that I have been aware of made aware of such as incubators and accelerators, which offer finance to ambitious startup businesses. However, these sound a bit more medical than financial. So could you just explain what these are and when we may choose to explore this as a finance option? Speaker 2 00:13:37 Yeah. I think, I think these, these type of opportunities, they're, they're mostly, uh, funds some of 'em. I mean, I, I, I do have a relationship, one fund that's attached to a university that would probably fall this in, within this category. Mm-hmm <affirmative>, and they've, they're very much probably groups of investors. Who've, who've who've they could be individuals, or they could be, uh, institutions who've got together to create investment funds. Uh, but generally speaking, they are looking for, uh, you know, very, quite high growth startup or, or maybe not startups, maybe bus, maybe businesses that are a year to 18 months down the line, but are showing very high degree of promise. Uh, a lot of them tend to be quite tech based, although not exclusively, but that's where they're seeing a lot of the high growth. And, and, and that's really what they're looking for. Maybe your tradition, more traditional, uh, person who's starting up an SME, probably wouldn't be in, in maybe in the more traditional industries or trades wouldn't be a appropriate for this. So it is very much around creative arts and creativity and tech. Those are the sort of areas that I would, uh, I, I would look to to approach those type of organizations. Speaker 0 00:14:54 Oh, brilliant. Well, that's really interesting to know as well, like, so what sort of industry, you know, that these finances targeted at and if anyone's listening and any, you know, especially in the last couple of years where people are probably being more creative and generating more things, knowing that maybe something different out there is is, is a good one. Um, so obviously this, um, episode, isn't just about raising finance, you know, generating cash can be done in a number of ways, um, and some of which come in the form of grants. So these have been probably a bit of a hot topic, um, as I'm sure you're aware will over the last couple of years, um, but grants have always been available in some respects to certain industries at various times. So could you just run us through some of the current grants available to small businesses where, and how they could access these and maybe some of the hurdles that you are aware of currently with regards to these? Speaker 2 00:15:42 Yeah, well, I think there's, there's two areas really there's, there's some more sort of long running schemes are operated by the government. Uh, so, uh, you know, businesses that are very innovative can look to, to use R and D claims as a way of, of, uh, of generating cash into the business. Uh, and that is that Speaker 0 00:16:01 Research and that's research and development. Yeah. Speaker 2 00:16:03 Yes. Oh yeah. Yeah. Research and development. Yeah. I mean, you know, this is, it it's very much for businesses that are, as I say, are, are innovating in the way they're working. Mm-hmm <affirmative>, but there are plenty of, uh, consultants out there that you can talk to without having to pay on the thing who will, and also your accountants probably will be able to give, give you a guideline of whether they think you would qualify or not. Mm-hmm, <affirmative> an R and D got grants are basically made to HMRC, uh, or applications for grants are made to HMRC. And the way it works is if, if you are a profitable business, it's then done in the form of, of, of, of, uh, tax credits against your corporation tax, or if you are innovating, but you are still in a loss making situation, then it can actually generate, uh, sort of cash payments into your business. Speaker 2 00:16:47 Uh, but I, but before doing this, I, I think it's something that you would need to take advice, probably talk to your accountant or to an island D expert about mm-hmm <affirmative>. Uh, so, and similarly, there are, there are, there are, there are other schemes around, uh, uh, around more local government. Uh, some of these have come out of, of the, the, the pandemic and COVID, but also some of them have come about really more have been sort of operating for for some period of time. And it's where effectively central government is using a local government to distribute cash, to try and, uh, to try and incentivize and, and, and, and generate business. Uh, I mean, a, a good website to look at, if you're interested in these is called the Kenton midway, uh, uh, uh, it's sorry, let me just check it, uh, yeah, it's the Kenton midway growth hub. Speaker 2 00:17:36 It's a website and it, and it lists sort of lots of grants and loan schemes that are operating, but just to give you an idea of some of them, you've got, there's a Kenton Medway business fund, which is available, there's a Southeast business boost. Uh, there was a first round of Southeast business boost, uh, sort of 18 months ago, I think it was. And then now onto Southeast business boost two. So it's the second round of funding. Uh, so that can be applied to, and I, I, I, I've got two or three clients I know have applied successfully to that. Uh, there is a process to go through, but in a sense, the process is quite good for businesses cuz you, you need to produce a business plan. In some instances you may have to be sort of interviewed by a, a panel of people which may seem daunting to businesses, but in actual fact, in all funny sort of way, quite a good discipline for them to go through, uh, there's a specific fund called creative England, which is for the, for the creative sector again, where there are grants around. Speaker 2 00:18:34 There's also a thing called low carbon Southeast, which is another fund to encourage low carbon, uh, companies trying to take low carbon schemes. Uh, for, for startups, there is quite a good scheme. Uh, it's called the startup mentoring scheme. So you get a little bit of startup funding, but you also get some expertise and some mentoring around it, which, uh, I think can be very sort of, it's a sort of thing that, you know, startup businesses when, when money's tight, it's quite difficult to, to, to afford. So getting it through the scheme is, is, is a, is a good way of doing that. Speaker 0 00:19:08 Yeah, definitely. Speaker 2 00:19:09 There's a growth scheme aim at manufacturers. Uh, so which is worth looking at, uh, and then there's another, uh, there's some funding around skills and employment so effectively it's looking to encourage businesses to employ cetera. So, and, and that, that's just a few of the schemes. There are, there are a number of other schemes that, that are operating, but as I say that the Kenton midway growth hub for businesses in, in our locality, uh, is a, is a good place to start. Speaker 0 00:19:38 Brilliant. Um, I think that the whole point of this raising finance is actually build some practices in, even if it is just going to your friends and family, like you say, having a business plan going through the procedure, it will just set you up. You know, we're talking about growth here, you know, so hopefully businesses are gonna be going for finance for bigger projects and growing their business, but having some of the basic disciplines of knowing your forecasts, doing your stretch forecast, looking your little cash flow, you know, putting in your forecast, all of those things. I think whether you are just gonna get a few thousand pounds from friends and family or a larger sum for business bank, having those, you know, structures in place for how you will go about raising your finance is really important. Speaker 2 00:20:21 Um, yeah, no, definitely. And in fact, it's quite interesting because when I, you know, when I work with clients to, to make finance applications, I, you know, I come across different types of prepared levels of preparedness, but the business is generally that I go into that, that have all the tools about, so I they're looking after their finances properly, they've got up to date management information, you know, ideally they have a business plan, they, they have cash flow, they budget, et cetera. The reality of those businesses, they are much, much more likely to get an approval for, for, for commercial finance than other businesses that I go into whereby you know, they've almost got to create this overnight in order to make the application. And very often, you know, it's quite difficult and time consuming to do that. So, so generally speaking businesses that are well run from a financial standpoint, have a much better chance of being successful as on when they need to, to, to generate, uh, to, to generate commercial finance into their business. Speaker 0 00:21:20 Yeah. Brilliant. And I think that's a very important point. Isn't it? You know, what we're already talking about, um, through our podcast is having sound financial information can aid you in many more ways. Um, you know, not just raising finance, you know, but I guess after we've gone through all of these options, it can be a bit mind boggling about what is on offer. And one of the key concerns I'm going to guess a lot of business owners may have is, you know, why would I choose investment over borrowing? For example, you know, is there's something you can share some light for us on this. Speaker 2 00:21:53 Yeah. Again, I think, I think, uh, in some cases it's not a question of one or the other, it, it it's, uh, so early cycle businesses. So startups generally speaking are much more likely to be, that's gonna be through investment, uh, and possibly some grants, money grant money as well. So, and that investment very often is gonna be, could be friends and family. It could be your self, putting your own money in mm-hmm <affirmative>, uh, or you could be friends or family potentially. You could also encourage some external investors. Uh, so I would say early cycle businesses, so businesses that are startups or maybe in the early part of their business cycle are really much more likely to be investment. And there isn't really much, or the prospect of any significant borrowing around those businesses. Once you get into more mature businesses, it then becomes more of an, an interesting dynamic really, uh, you know, there are, there are, there are pros and cons to both sides. Speaker 2 00:22:53 Uh, the great thing about in, in, you know, in, in investment can be very good, particularly if the investor is someone that can add value to your business in terms of expertise or bringing new clients and business into, into your business. Uh, so that, you know, that can add a lot of value to your, to you. Uh, but whereas borrowing obviously becomes an overhead to the business as a cost to it, and there's repayments to be made cetera, et cetera. At the same time, by often in the long term, investment can be more expensive because, uh, if your business is successful and you've sold 50% of it to somebody then, uh, over the next 5, 10, 15 years, however long you run that successful business, you are gonna be having to, uh, deliver a return on that 50% to that investor. Whereas if you'd built your business through borrow and you pay down the loan, say if it's a straight commercial loan, you pay it down over after five years after five years, you've got rid of the loan and you still own a hundred percent of your business. Speaker 2 00:23:51 And the interest you've paid on the borrowing is probably less than you would've paid out to the investor. So I think it's, it's almost impossible in a, in a podcast like this to really advise, which is the best, because I think they both have their merits. Uh, it will depend on where, as I say, where you are in your business cycle, the reason you need to generate funds. And again, I would say, you know, take advice and then again, speak to, you know, if you have a, either an accountant or a business advisor or a consultant you work with, uh, you know, seeks amount, external advice, or even if you have a, a business mentor or someone, you know, who's, who's whose, uh, commercial, uh, opinions you trust, uh, speak to them and explain your, your situation. And they will, they will get, hopefully give you some sound advice. So, you know, there's values to both approaches. Uh, it really does depend, depend upon where you are with your business and why it is exactly that you, you need to generate investment or, or borrow into the business. Speaker 0 00:24:52 Brilliant. Um, I really like that will, thank you. Um, do you have any last pieces of, you know, practical advice then today for our listeners on generating cash and finance into their business? Speaker 2 00:25:02 Uh, I think the, the first thing I'd say is don't, uh, if it's at all possible, don't make a hasty decision. Don't go to the, the first option that you come across, uh, and sign on the dotted line and take it, uh, and take the money, look around. Possibly you could use, you know, commercial finance consultant to, to help you and enable you to look at the different options that are available. I'd be very aware of guarantees as well, because many, many business commercial loans will require at least a personal guarantee. Uh, if not, sometimes in some situations they may even want bricks and mortar security. So the loan would be secured against a property that could be your home. It could be a, uh, an investment property you have now with personal guarantees. Uh, you might wanna take legal advice if you've never signed a personal guarantee before, because you know, the reality of we can't go into the details of PO personal guarantees here, but the reality of them is that it does mean that the lender should for you, whatever reason should you default on the loan, should the board default on the loan, the lender does have a legal right to, uh, recourse to you as an individual to try and recover, uh, that loan so that, you know, he does, you know, before you sign a personal guarantee, make sure you've, I would say, take some legal advice and understand it. Speaker 2 00:26:27 And similarly with, you know, if you are, if you are putting a property up as security, you'll be signing an agreement to that effect. Again, I would take legal advice. So I think, uh, you know, that's an area where often people are very, very, uh, there's a degree of urgency, or they're very keen to, to generate this money into their business, cuz hopefully it's to it's to finance a new contract or growth or whatever it is. And they don't take the time to look at the detail that sits behind the agreement. So, so that's one area. I think it, a lot of people overlook most of the time. It doesn't matter because they repay the loan successfully, but there are also occasions whereby unfortunately those sort of things do come back to, uh, to bite people down the line. So, uh, so yeah, so that's one area that I would, uh, I, I would, I would, uh, I would counsel caution on. Speaker 0 00:27:15 Brilliant. Fantastic will. Well, thank you so much for joining us today. Speaker 2 00:27:20 No pleasure. Speaker 0 00:27:24 I think the key thing to take away from today is that whatever your finance needs are now or in the future, there is a solution or a combination of solutions that will suit you in your business. The best way to start is to simply have a chat to someone who can help you make the right decisions, both for the short and long- rather than jumping straight into the quickest or easiest form of finance available to you right now. Next week, we are joined by some very special guests to talk us through their journey of growing several very successful businesses. And I cannot wait to share with you what they have learned along the way. Thank you for listening today. I hope you enjoyed the episode. We are a 4g and you can find us on Facebook, Twitter, and LinkedIn at a 4g chartered accountants. Alternatively, check out our website, www dot a 4g hyen LP dot code UK, which is full of free tools, guidance, and plenty of food for thought to help support you with running your successful business. I've been your host today, Charlotte, and this is let's get down to business.

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