FinanceMOT Blog
Plain-English finance for SME owners who don’t speak finance.
What your numbers actually mean and what to do about them.
No jargon. No lectures.
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Xero, QuickBooks, FreeAgent or Dext? A plain-English guide to the best UK SME finance apps right now, with current pricing and who each one suits.
Most SME owners track sales and little else. Here are the five financial KPIs to review every month, and the one warning sign each is…
A new hire is the biggest recurring bet a small business makes. Here is the simple formula that tells you if the next salary will…
Most owners read their profit and loss account bottom up and miss the line that matters. Here is how to read a P&L properly in…
Innovate UK Next Wave Breakthrough offers UK SMEs grants up to £3 million for Createch projects tied to Frontier industries. Deadline 11 August 2026.
Calculate your debtor days, see what a rising trend reveals about your cash position, and use three practical fixes to get customers paying you faster.
Most SMEs hold board meetings without a proper board pack. Here is what a good one contains, plus a simple checklist UK directors can use…
Growing fast can bankrupt you if every customer loses money. Here is how UK founders use unit economics to check each sale pays for itself…
Most free cash flow forecasting tools are trials in disguise. Here are the ones that genuinely cost nothing for UK SMEs, and where each one…
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