COLOBUS

the money guides

Helping you make the most of your money

What goes into a business plan?

Sometimes clients ask us for guidance on how to write and what to include in a business plan. Some people think a financial model or financial projections are the business… Read more >

Categories: Business advice, Debt, Equity, Loans/Lending,

Types of debt capital

Types of debt capital There are multiple types of debt and they all have their uses. Overdraft An overdraft simply allows you to use funds you don’t have: it allows… Read more >

Categories: Debt,

Personal Guarantees

Personal Guarantees If you borrow money, you may be asked to provide a personal guarantee (PG) to the lender. On the face of it, a PG costs you nothing…. Read more >

Categories: Loans/Lending,

Deferred VAT – AGAIN!

Too Good to Miss: Another VAT Deal from HMRC Early on in the pandemic the UK government allowed firms to defer VAT from the first quarter of 2020. That was… Read more >

Categories: Business advice,

Dealing with banks and other lenders

If you need to borrow money, you need to persuade someone to lend it to you. You need cash to grow your business, and most businesses borrow in one form… Read more >

Categories: Debt, Loans/Lending,

5 reasons why you should NOT take out a business loan

5 reasons why you should NOT take out a loan: Cost – you’ll have to pay interest and fees. Repayment – loans must be repaid. If you don’t, you could… Read more >

Categories: Debt, Loans/Lending,

Recent money guides

What goes into a business plan?

Types of debt capital

Personal Guarantees

Deferred VAT – AGAIN!

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