Profit Cash Growth

Having more than one limited company feels like smart planning until it pushes your business into a completely different tax regime. In this episode, we unpack why the £1.5 million corporation tax threshold isn't a single number, it's a number that gets divided across every company you control, and why that catches so many growing businesses off guard. If you've ever set up a company because "that's what everyone does" for property or acquisitions, this one is for you. Key Topics Covered Why the corporation tax "large company" threshold gets split between every company you own The real difference between paying tax annually and paying it in quarterly instalments How op-co, prop-co, and hold-co structures can bring the threshold down without you realising it The associated companies rule and how family shareholdings can unexpectedly count against you Practical ways to balance profit across multiple companies to avoid a cash flow cliff edge When it makes sense to simplify or consolidate your company structure ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Take the Finance Fitness Scorecard https://www.profitcashgrowth.com/finance-fitness-score ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

Claire covers one of the most overlooked tax reliefs for business owners who own their own building: capital allowances on commercial property. Prompted by a listener story about a business that missed out on hundreds of thousands of pounds in claims, this episode breaks down what capital allowances actually are, why most accountants never mention them, and what to do before you sign anything on a commercial property purchase. Key Topics Covered What capital allowances are and why they only apply to business assets, not everyday expenses The difference between full expensing, integral features, and structures and buildings allowance, and why the split matters Why most high street accountants miss this claim entirely and why that isn't really their fault The "shake the building upside down" test for working out what qualifies Why timing is everything, and how the opportunity can disappear the moment a property sale completes What to do before buying a commercial property to make sure you don't leave money on the table ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Take the Finance Fitness Scorecard https://www.profitcashgrowth.com/finance-fitness-score ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

We go head to head in a battle off: the five things that have genuinely moved the needle for our businesses over the last 25 years. No rehearsed answers, no overlap discussed in advance, just two founders picking apart what actually built the business versus what just felt busy. It's a useful exercise for any owner who wants to get clear on what would hurt most if it disappeared tomorrow. Key Topics Covered Why LinkedIn became Claire's number one channel for leads, and the debate over whether it's actually scalable How the smartphone and tools like Claude Code turned Simon into someone building internal software with no coding background Using AI as a thought partner to challenge decisions and shortcut the learning curve on things like SEO Why Xero opening up its API changed what was possible for both businesses, and what that means for any owner relying on one core piece of software Podcasting, AirPods, and self-education as an underrated growth lever The apprenticeship levy as a way to attract and train talent without competing purely on salary What COVID-19 actually taught them about steady growth versus sudden windfalls, and why "predictable" isn't always what it's cracked up to be ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Take the Finance Fitness Scorecard https://www.profitcashgrowth.com/finance-fitness-score ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

Most business owners have never heard of the apprenticeship levy, and it's costing them thousands of pounds in training they could be getting for free or close to it. In this episode, Claire and Simon explain exactly how the levy works, why it isn't just for school leavers, and how any business, including the owner themselves, can use it to fund everything from AI upskilling to a full charter accountancy qualification. Key topics covered: What the apprenticeship levy actually is and who pays into it Why small businesses can access the fund without ever paying into it themselves The difference between funding for under-25s and over-25s, and what that means for cost How short, modular courses now sit alongside longer professional qualifications Real examples of courses available right now, from AI implementation to sales and operations Why training providers handle almost all of the admin, and what's actually required from you as the employer ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Take the Finance Fitness Scorecard https://www.profitcashgrowth.com/finance-fitness-score ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

Most business owners only track the time between issuing an invoice and getting paid, and wonder why cash still feels tight. In this episode, Claire Hancott breaks down the customer journey cash cycle: the full picture of how long money is actually out of your business before it comes back in. If you're spending on marketing, taking on new work, or thinking about scaling up, this episode shows you exactly what you need to know before you commit more cash. Key topics covered: Why invoice-to-cash (your DSO) is only one small part of the real cash flow picture The four stages of the customer journey cash cycle, from lead generation to cash in the bank How to calculate your own cash cycle in days, and why that number matters more as you grow Why slow invoicing is one of the easiest and most costly gaps to fix in any business How to use your cash cycle number to work out exactly how much spare cash you need before ramping up marketing spend Why this calculation becomes essential when raising funding or approaching investors ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Take the Finance Fitness Scorecard https://www.profitcashgrowth.com/finance-fitness-score ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

Claire talks through three real client scenarios from the last few weeks where business owners came to her wanting to take on debt, and she told all three of them not to. This episode breaks down why, what she suggested instead, and how a genuine growth opportunity can look identical to a cash flow problem you haven't fixed yet. If you're weighing up a loan right now, listen before you sign anything. Key Topics Covered: Why a seven figure business wanted funding to accelerate growth, and why the numbers showed the existing business couldn't actually generate enough cash to repay the loan The difference between scaling a profitable business and scaling a loss Why directors taking dividends out of the business can mask a much thinner profit picture than it appears A seasonal business considering an expensive unsecured loan to cover a short eight week cash flow gap, and the two cheaper alternatives that solved it instead How a business that had just acquired another company avoided getting locked into invoice financing by using an underused asset instead Why the right answer to "should I take on debt" always depends on what you're actually trying to achieve ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

Should you be including your labour costs in your gross profit? Claire breaks down why this simple question trips up more business owners than almost any other line on the P&L, and why getting it wrong can make a good month look bad and a bad month look good. If your gross margin swings wildly for reasons you can't explain, this episode is for you. Key Topics Covered: Why seasonal businesses that load subcontractor costs into cost of sales end up thinking their gross profit is worse than it actually is Why putting fixed salaries into gross margin distorts the number every time sales move up or down The three-step approach to working out which staff costs belong in cost of sales How to get 75 to 80 percent of the way there without tracking every minute of every day What utilisation and capacity data reveals once you separate client-facing time from everything else Why this sits closer to management accounting than traditional compliance-focused accounting ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

Why do businesses actually fail? Not the vague, one-size-fits-all answer, but the five specific ways it really happens to owner-managed businesses turning over between £1 million and £20 million. In this episode, Claire and Simon work through the five most common causes of business failure, then rank them from least to most dangerous based on what Claire sees across hundreds of client businesses. This one is essential listening for any founder who wants to spot the warning signs before they become terminal. Key Topics Covered: Why business success has a thousand causes but business failure tends to fall into only a handful of patterns Taking on too much or the wrong kind of debt, and why repayment terms rarely match the return an asset generates Over-reliance on a single customer, contract, or connected supply chain, and why this risk hides in plain sight Overtrading and losing control during a growth phase Disproportionate ratios, from long payment terms to an oversized payroll, and why these quietly strangle cash flow Why poor financial visibility is the root cause sitting underneath almost every other failure mode ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

Most business owners think "cash flow" means one number on one report. Claire breaks down why that single view is exactly what leaves profitable businesses caught short, unable to pay a VAT bill they never saw coming. In this episode, Claire walks through the three distinct ways every business needs to look at its cash, and why relying on just one of them creates a blind spot that can catch even a genuinely profitable business off guard. Key Topics Covered: Why a business can be profitable for 18 months and still not have enough cash to pay its VAT bill The three types of cash reporting every business owner should be getting monthly: the cash flow forecast, the cash flow statement, and the "whose cash is it" breakdown How a rolling 13-week cash flow forecast protects you from tax bill surprises Why profitable businesses still run out of cash once loans, dividends, and stock are accounted for The difference between service, stock, and asset-based businesses when it comes to cash flow risk Why roughly 80% of the businesses PCG works with are unknowingly living off money that belongs to HMRC Get the free 13‑week template (email marketing@profitcashgrowth.com) or view a live demo of our reporting at profitcashgrowth.com. ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

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 businesses can learn from them. Key Topics Covered The eight things Poland got right, from shock therapy and keeping its own currency to EU membership and cross-party political consensus, and the business equivalent of each Why ripping the band-aid off in one go is almost always better than slow, managed change that drags on for years The danger of tying your hands: the one-customer problem, the one-channel problem, and the debt covenant trap Why laying the right foundations before you grow determines whether the growth actually sticks Cross-departmental buy-in and why the businesses that sustain growth are the ones where every hire understands the vision The role fear plays in driving performance, and why comfort is the enemy of ambition ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

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 between GDP growth and how business owners actually feel deserves more attention than it gets. Key Topics Covered Why the economy can be growing and business owners still feel like they're going backwards, and what that disconnect means The proposed reversal of the employer national insurance increase and whether 1.2% really moves the dial A 20% business rate cut for hospitality, retail, and leisure, funded by a levy on super warehouses Flat-rate inheritance tax at 10% for everyone, and why it's cleverer than it first looks Abolishing stamp duty and replacing it with an annual property tax, and who this really hurts Devolution of spending decisions and whether Andy's vision for the North can actually work In PCG Extra, we discuss Spread.Finance : a Xero-connected tool that automates accruals, prepayments and deferred revenue to make management accounts more accurate. For business owners wanting clearer numbers and better cash decisions, visit https://www.spread.finance to book a demo. ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

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 together for one price, this episode is worth ten minutes of your time. Key Topics Covered: The Queens Court Limited versus HMRC case and what it actually decided Why bundling products together can mean you are charging the wrong rate of VAT How HMRC can approve a VAT claim and then challenge a bigger one for the exact same issue Real examples of businesses that have found thousands of pounds in unclaimed VAT simply by having someone look properly Which types of businesses are most likely to be affected (hint: it is not just fast food) Why "no win no fee" VAT claim companies are not the answer ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

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 than a space company. Key Topics Covered: SpaceX's record-breaking $75 billion raise and what it means for Elon Musk's net worth What an IPO (Initial Public Offering) actually means, explained in plain English The history of public share offerings, from shipping expeditions to the modern stock market The difference between private investment, the AIM market, and a full public listing Why companies choose to go public, and the risks that come with it Whether mega-IPOs and trillion-dollar valuations are good for the wider economy ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

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 business and what is just headlines. Key topics covered: The 12-month vehicle excise duty holiday for HGVs and why it will not move the dial for most transport businesses immediately Mileage rates rising from 45p to 55p per mile, backdated to April 6, and the double-edged sword for employers who pay staff mileage The fuel duty freeze and what it actually means in pounds and pence for HGV operators The VAT cut to 5% on children's hospitality and attractions, and why most businesses will not pass it on to consumers Free bus travel for children in August only, food tariff cuts on 100 products, and the limited help for farmers ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

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 covered: Why monthly reporting is about tactics and quarterly reporting is about strategy The five sections of a great monthly management pack, and what goes in each one Why an executive summary is the most important page in any report, and what it should contain How flagged commentary and trend graphs surface the exceptions that actually matter The difference between a report that generates decisions and one that just gets filed How deep-dive ad hoc analysis works alongside monthly reporting to answer the questions that numbers raise ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 6 & 7 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

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. Key topics covered: Why annual accounts can contain numbers that are up to 21 months old by the time you see them The five specific reasons statutory accounts should never be used to make business decisions Why the format mandated by Companies House is designed for compliance, not commercial clarity How the goals of year-end accounts actively conflict with the goals of running a profitable business What management accounts should look like compared to what most business owners are actually getting PCG's bespoke reporting portal and what it means to finally see your business in real time ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 6 & 7 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

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 translate into real commercial results. Key topics covered: How Bremont, founded in 2002, built a brand that feels like it has a century of heritage behind it Why deliberately making and selling less can be more profitable than chasing volume The power of a genuine origin story and why most business owners undersell theirs How engineered scarcity works in practice, from limited edition watches to the Martin Baker ejector seat club Why finding where your audience already gathers beats trying to find them one by one The six marketing lessons every seven figure business owner can apply right now ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 6 & 7 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

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 build a defensible position before the market moves around them. Key Topics Covered: Why AI has created the lowest barrier to entry in business history and what that means for service-based businesses in particular The five forces that determine how vulnerable your business really is to new competition Brand, IP, ecosystem, legal contracts, and capital requirements as practical moats for owner-managed businesses Why "I do it better" is no longer a sufficient answer when proposals, websites, and pitches all look the same How to use AI itself to score your business against Porter's Five Forces and identify where you have gaps ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 6 & 7 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

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 decisions. Key Topics Covered: What hedging actually means in simple terms, and why most people are already doing it without knowing Why certainty nearly always beats chasing upside, especially when you're running a growing business How foreign currency exposure silently erodes profit margins for businesses buying or selling internationally The forward contract: what it is, how it works, and when it makes sense to use one Real-world examples from fuel and utilities that show exactly what happens when you don't hedge The one question every business owner should be asking about their biggest variable costs ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 6 & 7 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

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), what a positive gap means (profit tied up in the business), and why many healthy‑profit companies still have empty bank accounts. They reveal the common culprits: slow‑paying customers (debtors), excess stock, and under‑leveraged or prepaid assets. The hosts give practical steps to free up cash: map the gap on your balance sheet, speed up debtor collections, slow or restructure supplier payments, reduce stock levels, and finance or refinance assets to release cash. They stress the difference between strategic FD work and day‑to‑day financial controls and how small monthly improvements compound into large gains. Listeners are encouraged to ask their accountant for the “equity vs cash” number, map where the money is tied up, and take action to reclaim that cash. ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 6 & 7 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions. *The content of this podcast is for entertainment purposes only and does not constitute professional advice.