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Knowledge

Award-winning selection of articles, business guides and tools to steer your business to being a big success

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Running a business

This article will set out and summarise some of the core legal documents that a new business should have in place for maximum protection.

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Business guides 

Jargon-free business guides to download covering expenses to everything related to starting a Limited Company.

Free tools and resources 

Figure out how to run your business more efficiently by calculating gross pay, chasing unpaid invoices and much more.

Online accounting 

Crunch offers accounting packages for Sole Traders and Limited Companies as well as free bookkeeping software.

Free community for the self-employed 

Join Crunch Chorus, our own self-employed community. Contribute and/or learn from our network of professionals.

Opening a business bank account, image of woman on phone and laptop | Crunch
Running a business

It’s essential to make sure that you keep your personal and business banking separate, so you’ll usually need a dedicated business bank account.

Crunch Free - Simple Online Bookkeeping
Tax

Freelancer, contractor, or small business owner looking to reduce outgoings and increase productivity? There’s a new solution - Crunch Free!

Uber Car
News and opinion

In 2021, the Supreme Court ruled that Uber drivers were workers, not self-employed. But what does this ruling mean, and how did we get here?

Managing your accounts and tax as a self-employed dentist, hygienist, or dental therapist - Crunch - image of a dentist
Tax

We’ve put together this comprehensive, jargon-free guide to help you understand how best to set up as self-employed, and how to act tax-efficiently.

What is a director’s loan account, and what are the tax implications? | A freelancer hard at work | Crunch
Tax

This article will cover exactly what a director’s loan is, the HMRC rules, and your tax obligations. So you'll avoid any problems or unexpected tax bills.

Self Assessment: What happens if I miss the deadline?, image of coins on a table | Crunch
Tax

If you don’t file your Self Assessment and pay any tax due by the deadline you’ll face fines – and potential extra penalties. Here's all the info.

Man using a phone and laptop | Crunch
Becoming self-employed

Finding work as a freelancer can be tricky. But there's good work on offer if you know where to look - here are a few of our favourite freelance job sites.

How to reduce your Corporation Tax
Tax

Lowering your Corporation Tax just takes diligence, a bit of knowledge of the tax system, and a few minutes every month making sure everything is recorded.

Should I have a company car, van or motorcycle?, image of open van | Crunch
Expenses

Businesses can benefit from a company car, van or motorcycle. Having a mode of company transport can be invaluable for small businesses.

National Living wage and National Minimum Wage - Crunch - image of british coins
Running a business

The Conservatives' 'National Living Wage' is not the same as the one proposed by the Living Wage Foundation. We look at the differences.

What is a P11d - Crunch. Image of a woman on a laptop
Tax

Confused by P11D forms? Unsure whether you need to file one? Want to avoid the common mistakes? Read our articles and you'll be an expert in no time.

What is Self Assessment? How to complete your Self Assessment, image of someone typing their Self Assessment | Crunch
Tax

New to contracting or freelancing? Struggling with filing your first Self Assessment? Our quick guide goes over the basics of what you should do.

Running your UK limited company or sole trader business when you’re not resident in the UK
Running a business

If you live outside of the UK but run a UK-based limited company, there are certain rules you’ll need to be aware of to effectively run your business.

Tax-Free Childcare for the self-employed, image of kids at school | Crunch
Tax

What is the Tax-Free Childcare scheme? How does it work, and how do you apply for it? Read on for everything you need to know about the new scheme.

Do I have to complete a Self Assessment tax return?, image of a woman reviewing notes with a dog | Crunch
Tax

A Self Assessment tax return is one of the most significant tax documents you’ll be dealing with when you’re self-employed. Here's what you need to know.

How long does trademarking a company last? (Image of designers working).
Running a business

How long does trademarking a company last? How much does it cost? What's the difference between trademarking a company & registering one? All this and more.

Is a Limited Company Right For Locum Doctors? (Image of a doctor and patient).
Limited company

A locum doctor can provide work under a variety of different guises, including as a limited company. We take a look at the pros and cons.

Work For Free? Sod That, Say These Freelancers (image of a freelancer working).
Get paid

We’ve all done it, yet most freelancers will have regretted it at some stage. Here's a few who have had enough of being asked to work for free.

Small Business Taxes - Crunch - image of business workers
Tax

A quick explanation of each of the small business taxes you’re expected to pay as a freelancer, contractor, or small business owner.

Crunch - What is a sole trader? Crunch - photo of a lady using a laptop
Becoming self-employed

A sole trader is someone who runs their own business as an individual, and is self-employed. Find out more about how it works in this jargon-free article!

Personal finance

Professional Indemnity insurance should be considered by any self-employed worker who is providing design, advice or specifications.

What is VAT MOSS and does it affect me?
Tax

The VAT Mini One Stop Shop (VAT MOSS) scheme is a way of paying VAT if your UK business provides certain digital services to customers in the EU.

15 attributes every business owner should have - Crunch
Becoming self-employed

In no particular order, here are 15 personality traits that, when properly harnessed, can lead you to business success!

How to come up with a great company name, image of someone thinking | Crunch
Becoming self-employed

To make naming your business or company just a little easier, here are some simple, quick methods for coming up with a company name.

What is Employers’ Liability Insurance? What cover is required? Image of hazard cone | Crunch
Employment law

Employers’ Liability Insurance often provokes many questions, not least whether or not you actually need it. We answer the most commonly asked questions.

Contracts

In our first article for Locums we looked at the crucial element of employment ‘status’ - how you know what status you have?

Is my contract inside our outside IR5 - Crunch - image of a man looking at papers
Tax

If HMRC decide your contract is inside IR35, it can be a costly and time consuming. We look at the best ways to ensure you're not caught out.

How to start a business what do you need to know? Image of someone working at a desk | Crunch
Becoming self-employed

If you're looking to start a business here are all the I’s you'll have to dot, and all the T’s you'll have to cross to give you the best chance of success.|If you're looking to start a business here are all the I’s you'll have to dot, and all the T’s you'll have to cross to give you the best chance of success.

Has your contractor insurance really got you covered?, image of someone on a laptop | Crunch
Running a business

This handy checklist will help you understand what to look out for when arranging insurance cover as a contractor.

10 ways to stress-test your small business idea, image of a woman thinking | Crunch
Becoming self-employed

It's important to stress-test your small business idea for fatal flaws before you become self-employed. Here at 10 ways to stress-test your idea.

Locum Doctors – what is your employment status? Image of doctor listening to a patient
Employment law

For Locum doctors, it's important to know whether you are employee, a worker, or someone who is self-employed? We explore the differences.

Crunch Free - the perfect replacement for Wave Accountingin the UK
News and opinion

Wave Accounting is removing access to its free accounting software in the UK, but there’s an even better replacement for the UK’s self-employed heroes.

What is VAT reverse charge in the construction sector?, image of construction workers discussing plans | Crunch
Tax

If you’re in the Construction Industry Scheme (CIS) and VAT registered, HMRC are changing how you account for VAT from 1st October 2019.

A warning cone
Running a business

Public Liability Insurance won’t cover you retrospectively, so you should have it in place as soon as you start to interact with members of the public.

Care Workers - what are your rights at work? Image of woman playing chess with an elderly man | Crunch
Employment law

Lesley of the HR Kiosk provides advice for care workers who are unsure of their rights. Have an employment question? Leave a comment.|Lesley of the HR Kiosk provides advice for care workers who are unsure of their rights. Have an employment question? Leave a comment.|Lesley of the HR Kiosk provides advice for care workers who are unsure of their rights. Have an employment question? Leave a comment.

Open banking is coming to Crunch - Image of someone banking online
News and opinion

Upload bank transactions in a flash with Crunch's simple and secure Open Banking feeds, with established links with several of the UK's biggest banks.

Can I claim a Christmas party as a business expense?
Expenses

If you're a director of a limited company, you can claim up to £150 as a business expense for a Christmas party - even a virtual one! There are some strict rules, though.

Small Business Survival Checklist, image of a struggling businessperson in a cashflow emergency | Crunch
Running a business

A handy, jargon-free checklist to prepare you for when times take a turn for the worse.

Finance Bill may affect the self-employed. Image of a freelancer doing her taxes
Running a business

The Coronavirus Business Bounce Back Scheme is designed to provide quick access to cash . We've put together this guide to help you make a claim

How to find your gap in the market
Becoming self-employed

Looking to find your gap in the self-employed market? Here's how do you identify your niche among the self-employed community and stress-test your idea.

Immigration Guide - How can employers recruit people from outside the UK from 1 January 2021, image of people at the airport | Crunch
Employment law

From 1 January 2021, all non-British/Irish nationals will require a valid immigration status/visa to live, work, and study in the UK.

Ultimate Business Tips - Crunch - image from a Crunch Chorus networking event in Brighton
Running a business

Our ultimate business tips guide covers everything from which hand to hold your drink, to the secret tricks that the most successful people swear by.

What is bookkeeping and why does it matter - Crunch - picture of man doing some bookkeeping
Get paid

Bookkeeping is the art of recording your financial information so that you can keep track of your incomings and outgoings. It can be a delicate process, but once you've mastered it, you'll have full control of your finances.

Crunch's guide to the new government Job Support Scheme | Crunch - Image of a waiter sanitising a table
Get paid

The government have announced the Job Support Scheme to protect viable jobs in businesses who face lower demand over the winter months due to COVID-19.

Crunch
Get paid

You've pitched, landed the job, delivered your work...and now it's time to get your money. But how do you do that? Here's how.

Man doing his taxes on his phone
News and opinion

With Snap, our new receipt scanning app all you have to do is take and upload a photo of the receipt or invoice for an expense.|With Snap, our new receipt scanning app all you have to do is take and upload a photo of the receipt or invoice for an expense.

What to do if you're being made redundant because of COVID-19, image of someone clearing their desk | Crunch
Becoming self-employed

What can you do if you're made redundant, especially in the middle of the COVID-19 pandemic? Don't panic - it could be a great opportunity, here are some options.

Hannah Searle's story
Becoming self-employed

Having a clear plan and building a funnel of potential clients are key to Hannah Searle's approach to making her Interior Designer business a success.

How To Generate Leads For Your Small Business | Crunch - Image of post it notes
Running a business

Even self-employed veterans can struggle to generate small business leads. Here's a checklist of how small business can get in front of the right people.

Want to break free(lance)?, image of a Queen tribute act | Crunch
Becoming self-employed

Want to break free...lance? Learn about escaping your boring job, breaking free and going freelance with lessons from five Queen bangers.

Best Linkedin profile tips for freelancers, contractors and small businesses - Crunch
Running a business

From choosing the best LinkedIn profile picture to nailing your headline, our tips will help freelancers and the self-employed find work on LinkedIn.

Friends raising a glass over dinner
Tax

Receiving a gift from your employer is a great feeling, but in the workplace the employer needs to be aware of whether or not they need to pay tax on the present. Here are some helpful examples for small businesses.

Can I make pension contributions through my limited company?
Tax

Payment on account is not something that is widely known about among people who have never been part of the Self Assessment system. Learn more now!

Hourglass and calendar
Get paid

Breaking down four of the main late payment excuses you will hear when running your own business, and what you can say and do to overcome them.

Crunch - how to set up a limited company - image of people at work in a team | Crunch
Limited company

We show you how to set up a limited company so you get to define your brand, own everything you do, and run your business in the most tax-efficient way.

Meet the people who started a business during the COVID-19 pandemic | Crunch - image of 3 ladies
Becoming self-employed

We asked the members of our self-employed community, Crunch Chorus, to share their experiences of starting a business during the COVID-19 pandemic.

Pensioner using a laptop
Tax

Capital Gains Tax comes into play when you make a profit from selling something you own. Here's a quick breakdown of what you need to know.

Crunch
Expenses

Whether you have an accountant or are taking on the books yourself, it's important to be organised, especially if you're planning on making expense claims.

Frustrated accountant
Tax

Is your accountant better at invoicing you than looking after your accounts? Here are the top five signs you need a new accountant.

Coronavirus: Tips for working from home if you decide to self-quarantine - image of a positive coronavirus test
Productivity

The NHS recommends you self-isolate for a period of 14 days and work from home if you believe you have coronavirus, but how do you stay productive?

Free Tools & Resources To Help The Self-Employed, image of a calm freelancer | Crunch
Productivity

When you join Crunch Chorus you’ll get access to free business guides, self-employed meetups, an invoice generator, late payment letter templates and more.

Can I get a mortgage if I'm self-employed? -Image of row of houses | Crunch
Personal finance

Self-employed and struggling to get a mortgage? We share insider tips that will increase your chances of securing a mortgage.

Closing your limited company, what are your options - Crunch - Image of a closed sign
Limited company

Whether you've decided to retire, become an employee, or go back to sole trader, you need to know the tax-efficient ways to close your limited company.

Company year end accounts checklist for limited companies, image of a woman typing at laptop | Crunch
Tax

A company year end can be a daunting undertaking for first-time limited company directors. However it needn't be the end of the world. Here's what you need to know to get your year end accounts sorted.

10 steps to successfully simplify your small business accounting - Image of a woman doing her accounts | Crunch
Running a business

Taking care of your small business accounting can be a little daunting for complete newcomers, but the process isn’t as scary as you might think.

How To Set Up A Small Business While Working On The Side | Crunch
Becoming self-employed

Are you interested in a spot of moonlighting alongside your regular job? Our guide gives you the lowdown on how you can go about this and the pros and cons.

Crunch - Image of someone struggling with bookkeeping - The value of bookkeeping software for small businesses
Tax

Bookkeeping software may not be able to make bookkeeping fun, but it can definitely make it much easier. Here's a few ways how.

Crunch launch simple bookkeeping software Crunch Free - Promotional image of Crunch Free on a mobile
News and opinion

Crunch are delighted to announce the launch of our simple, online bookkeeping software for limited companies and sole traders, Crunch Free!

A freelance copywriter
Running a business

All visitors from Crunch who complete the free online legal health check will get access to unlimited free legal documents from Lawbite for eight weeks.

Crunch's open letter to the Chancellor asking for more support for limited company directors and the self-employed - image of the entrance to Downing street | Crunch
News and opinion

Crunch has written to the Chancellor providing analysis and feedback from clients, which we believe justifies a widening of the government’s grant support.

Worker clearing out their desk
Becoming self-employed

Ready for pastures new? Before you tell the boss exactly where to go, read our top tips on how to quit your job the right way.

HMRC
Tax

Everyone knows it’s legal to evade tax but completely illegal to avoid it, right? Wrong. Confused? You’re not the only one, we'll clear up the confusion.

What are the requirements of a registered office? - Image of someone moving to a new location | Crunch
Becoming self-employed

When you set up a limited company, you’ll need to provide your registered office, your business address, and your service address.

Working Time Regulations, image of someone sitting in the sun | Crunch
Employment law

There are a whole host of regulations and laws in place to protect workers from being exploited in regards to working hours, break and holiday.

Can IR35 contractors still work through a limited company?, image of someone reading papers | Crunch
Tax

The government’s reform of IR35 rules is forcing many contractors operating personal service companies to review their options.

Woman working on a laptop behind her table
Tax

Since June 2016, UK companies have been required to maintain a PSC register of decision-makers. We explain what you need to do to stay compliant.

A person working on a laptop
Running a business

Successful brands have always told stories about themselves, but how do you tell your story and build your brand? Create better content today!

A fire engine
Running a business

The chances are slim, but accidents happen. Make sure you're prepared with our free business continuity plan template.

Coronavirus: three month extension announced for filing company accounts - Crunch - image of a stressed person
Tax

Coronavirus: The government has announced a three month extension period to file accounts with Companies House during the coronavirus emergency

Crunch - Interest on late payments - image of a paid invoice
Get paid

Want to know what interest you can charge on late payments when working as a freelancer, contractor, or small business owner? This article explains what the rules are, and a few ways to get your money from difficult clients. Get paid what you’re owed!

I'd like a second job - what do I need to know?, image of someone working late | Crunch
Employment law

If you're finding yourself a little stretched for cash, you might consider a second job. While it’s not illegal, there can be issues to consider.|If you're finding yourself a little stretched for cash, you might consider a second job. While it’s not illegal, there can be issues to consider.

Working from home? What you can and can’t claim as an expense | A comfy dog at home | Crunch
Tax

If you spend time working from home, then depending on the work you do, you might be able to claim expenses back for using your home as an office.

Statutory sick pay, sickness, and fit notes. Image of a sick dog under a blanket | Crunch
Employment law

Unable to work? You are entitled to sick pay from your employer if you meet the qualifying conditions, which are as follows.

What is Entrepreneurs’ Relief when selling shares in your business?, image of a woman using a calculator to work out tax | Crunch
Tax

Thinking about selling your limited business? You'll need to know about entrepreneurs' relief.

Worker conducting some research, image of someone working at a desk | Crunch
Tax

If you've undertaken some R&D work, or even if you’ve worked for another company on a project, you could be due Research and Development tax relief.

Short-time working and lay-offs (information for employees). Image of an hourglass on a bed of money
Employment law

We look at alternative options for employers, instead of changing terms of their employee's contracts or making redundancies.

Grants, loans and freebies: financial help for your business
Get paid

A handy side-effect of the entrepreneurial zeal sweeping the country is that there are now many schemes in place specifically to help small businesses.

How to operate CIS as a limited company or a sole trader - Crunch - image of a bricklayer at work
Tax

Contractors registered under the Construction Industry Scheme (CIS) are required to deduct tax from their payments to subcontractors. We explain how CIS works.

How the founder of Freelancer Club built an award-winning startup using only freelancers
News and opinion

Matt Dowling founded the Freelancer Club in 2014 after his own experiences as a freelance photographer highlighted a need for a change.

Time off for dependants - family emergencies and Parental Bereavement Leave. Image of a couple sharing their grief
Employment law

Did you know that in many circumstances employees now have the right to take time off work to deal with an emergency involving someone who depends on them?

Man using a calculator.
Limited company

Don’t worry, it’s not as confusing as it seems. Here's what you need to know about share value and capital when setting up a limited company.

Ill freelancer
Personal finance

Executive Income Protection- A tax efficient way of protecting your income. Here's what you should know and how to make the most of it.

What is Pension Automatic Enrolment (PAE), how does it affect small businesses?, image of pensioners having fun | Crunch
Employment law

UK employers must provide access to a pension for their eligible workers. Employees can choose to opt out of auto-enrolment if they wish to. Find out more!

Critical Illness Cover and Income Protection - Crunch
Personal finance

As a contractor or freelancer, you won't have access to Sick Pay if you get ill. Income Protection or Critical Illness Cover could be the solution.

Company Director buying Life Insurance
Personal finance

Did you know that you could make a substantial tax saving on your premiums by taking out what is called ‘relevant life insurance’?

An ill self-employed worker
Personal finance

We take a look at Income Protection Insurance and how it can be beneficial for the self-employed in the event of unforeseen circumstances.

Business guides

View all guides