Knowledge

An award-winning selection of great tools, business guides, and articles to help you make your business a success.

How to claim the fifth Self-Employment Income Support Scheme (SEISS) grant, image of someone wiping a table | Crunch
Personal finance

HMRC will allow you to apply for the fifth and final COVID-19 Self-Employed Income Support Scheme grant (SEISS) in July 2021.

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Business guides 

From understanding expenses to starting a limited company, we’ve a range of jargon-free business guides for you to download and keep.

Free tools and resources 

Work out your take-home pay, chase unpaid invoices, and so much more. Make running your business a complete breeze!

Online accounting 

Check out our accounting packages for sole traders and limited companies, along with our amazing free bookkeeping software.

Free community for the self-employed 

Join Crunch Chorus - our very own self-employed community - and network with like-minded self-employed people.

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.

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.

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!

Chancellor Rishi Sunak announces Winter Economy Plan, image of a Covid-secure business | Crunch
Get paid

Chancellor Rishi Sunak announced the government’s Winter Economy Plan to support businesses through the winter during the ongoing COVID-19 pandemic.

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.

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. The important point to remember is that the tax is calculated on the profit you make, and not the amount you sold it for. As the name suggests, it’s all about the gain! 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.

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?

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.

Summer economic statement by the Chancellor on 8th July 2020 - image of a worker cleaning tables
Running a business

The Chancellor delivered an economic statement on 8th July 2020 setting out measures to help the UK recover from the severe impact of the COVID-19 pandemic.

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.

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 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!

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.

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.

How a good mortgage broker can save you money during coronavirus, image of person using a phone in lockdown | Crunch
Personal finance

Being self-employed shouldn't prevent you from getting a mortgage, but is this still the case in the confusing landscape of 2020?

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.

Make your next Self Assessment painless - Crunch - image of a lady and a cat
Tax

Self-employed and struggling to deal with Self Assessment? Start the tax year positively and make next year’s Self Assessment as painless as possible - get some expert advice from our client managers.

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.

Running a business

GDPR is a term all businesses, large or small should be aware of. Here's a jargon-free explanation of what you need to know to ensure you meet the rules.

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, image of a dog getting comfy with its owner 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.

Crunch's simple guide to the 2020 Budget, image of Parliament | Crunch
Tax

The government has delivered its budget for March 2020, outlining changes to IR35, tax rates, and amendments to Statutory Sick Pay.

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?

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.

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.

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!

What is a Postgraduate Masters Loan - Crunch - Image of students
Personal finance

Postgraduate Master’s Loans were introduced by the government to help with course fees and living costs while you study a postgraduate master’s course.

Can disciplinary or grievance meetings be audio recorded? Image of a dictaphone on the desk
Employment law

Neither an employee, nor an employer, has the right to record a meeting – unless both parties agree to the recording. Read more here.

Tax

How to stay on top of the deadlines for your tax filings as a freelancer, contractor or small business in the UK.

A business owner's watch
Becoming self-employed

They say that if you’re waiting for the perfect time, you’ll be waiting forever, and that couldn’t be more true when it comes to starting your own business.

Maternity Leave and Pay Chart (updated 2019). Image of woman holding her baby
Employment law

We've recently updated our charts for 2018 for the amounts of maternity leave and pay people are entitled to. We advise you on where you stand.

Hiring employees - a small business checklist
Running a business

Hiring employees can increase your productivity and help you offer more services to your clients. Here's how to decide what to do.

Managing business expenses: How to record, store and back-up your receipts, image of someone at a laptop | Crunch
Expenses

Expenses are great. By claiming all your allowable expenses, you reduce your company profits, meaning less tax to pay on them. Here's what to do.

What is a Postgraduate Masters Loan - Crunch - Image of students
Personal finance

Confused about how to go about managing your repayments? Don’t sweat, here’s all you need to know about student loan repayment when you’re self-employed.

Who am I? Freelancer, contractor, consultant or small business? - Crunch - picture of man drinking coffee
Becoming self-employed

If you are self-employed, you might think you have a clear answer to this questions. However, it's not as simple as that. We take a look.

Limited Company Director's Responsibilities - what you need to file and when with HMRC and Companies House : Crunch - image of HMRC sign on a wall
Tax

What are your responsibilities as a limited company director? We explain what you need to file with Companies House & HMRC so you can keep on top of things.

Your employer is making you redundant but has offered you another job – must you accept it?. Image of woman packing up her desk | Crunch
Employment law

Being made redundant isn't a pleasant experience for anyone, so what happens next? Are you entitled to any redundancy pay? We take a look.

Employment Law in the United Kingdom - what differences are there? Image of the UK flag in London
Employment law

There is very little difference in employment law between England and Wales, some differences in Scotland but important differences in Northern Ireland.

Am I an employee, self-employed, or a worker?, image of someone writing with a coffee cup by them | Crunch
Employment law

It might sound simple, but being self-employed can lead you to this question when you are working with clients. It's important to understand, so we explore.

Brexit: What The Self-Employed Need To Know And Do, image of British and EU flags | Crunch
Running a business

The UK formally left the European Union on 31st of December 2020. Here's what that means for you as a freelancer, contractor, or small business owner.

Crunch
Running a business

From 6th April 2020, all new agency workers must be given a ‘key information document’ (KID) before agreeing terms with an employment business or agency.

In sickness and in wealth: Marriage Allowance explained, image of a couple getting married | Crunch
Tax

The new Marriage Allowance policy will allow some couples to potentially save on the amount of income tax they pay.

A tattooed freelancer doing their taxes
Tax

We take a closer look at how the new Flat Rate VAT scheme and the Limited Cost Trader test will affect you if you’re a VAT registered small business.

Hours and rest breaks for UK goods vehicle drivers - Part 1. Image of a goods lorry at the port
Employment law

What are the EU Driver's Hours Rules and how will they affect small businesses? We take a look at the exemptions, the rules and the duties involved.

Working Tax Credits - how they can help a limited company - Crunch. Image of man on a calculator
Tax

Tax credits are an incentive for people to remain in low-waged employment instead of seeking similar benefits in unemployment.

How do you chase an unpaid invoice?
Get paid

Late payments can cost you business. Here's a few ways to chase an unpaid invoice without chasing your client away.

How to check a person's legal right to work in the UK (and the impact of Brexit) - Crunch - image of a passport and EU citizenship card
Employment law

We look in detail at all the points you need to consider and the documents you need when employing staff, casual workers and freelancers / contractors.

Who can have self-employed status in the film, television and production industries? - Image of TV cameras | Crunch
Employment law

A comprehensive guide to Service Companies and VAT for people working in the entertainment industry.

Finding work as a consultant - Crunch, image of people working
Running a business

How do you find work to get the ball rolling as a consultant, and continue to get the kind of clients that will keep inviting you back?

How to become a consultant, image of a woman at a laptop | Crunch
Becoming self-employed

As a freelance consultant, you’re now the master of your trade, as well as the master of your own destiny. Here's what you need to know to get started!

How to get the best CV or portfolio, image of someone working at a desk | Crunch
Becoming self-employed

Talk positively about the great things you've done, and win clients over. Our jargon-free advice on creating a great freelancer portfolio or contractor CV.

Tax

Bad news if you were intending to pay off your Self Assessment tax bill with a personal credit card - this will no longer be an option as of 13th January.

How to keep on top of your expenses as a plumber, image of a plumber at work | Crunch
Expenses

As a plumber, you can claim tools and business equipment back as an expense, but how do you what you can and can't claim?

What are unsecured and secured business loans
Running a business

We take a closer look at the differences between unsecured and secured business loans, to help you decide which may be better suited to your business.

What are my main employment rights as an employee, worker or freelancer?. Image of a book of employment rights | Crunch
Employment law

Whether you're a freelancer, contractor or employee, you're still protected to a variety of workers rights. Our guide explores the law around this.

Benefits of an online accountant - Crunch
Tax

Why use online accounting software when you can download an Excel spreadsheet for free? Well, the reasons are numerous.

The Minimum Wage, overtime, equal pay and unpaid work experience Image of a doctor working overtime | Crunch
Employment law

Anyone who is defined as a 'worker' is entitled to a selection of workers rights. We look at the minim wage, overtime, equal pay and unpaid experience.

How to become a freelance photographer - Crunch - image a of a photographer at a wedding
Becoming self-employed

This bumper article gives practical tips and advice on how to develop from a freelance newbie into a freelance veteran.

Introducing Ada, the new Crunch platform - image of our new software
News and opinion

Crunch are excited to reveal the latest improvements to our online accounting software and introduce our new platform - Ada, in honour of Ada Lovelace!

Becoming self-employed

Toby Osbourn went self-employed in order to take control of his own financial security. Backed by a strong support network, the gamble has paid off Toby and his business Tosbourn Ltd.

Crunch awards 2019
News and opinion

We're proud to accept awards from the British Accountancy Awards and the Accounting Excellence Awards for Mid Tier and Large Firm of the Year 2019!

Crunch, What to do if HMRC ask for proof of your employment (IR35) status
IR35

HMRC's recent IR35 email campaign to GSK clients has raised a few eyebrows - but what should you do if HMRC ask for proof of your employment status?

Fixed Term Contracts: what are they & how can they come to an end?, image of a businessman signing contract | Crunch
Employment law

Fixed Term Contracts have always been popular with employers as a way to fill a 'gap' for a temporary period, but we also know they can be abused.

What is Parental Leave? Image of a father cradling a baby
Employment law

Parental leave is a right for parents who are employees to take time off work to look after a child or make arrangements for the child’s welfare.

Crunch, How to find client as an electrician. Image of an electrician at work
Running a business

For electricians and other tradespeople whose construction careers often live and die by word-of-mouth, struggling to find work can be especially difficult.

Person entering their details
Tax

HMRC has experienced a number of issues which has lead to some delays and difficulties. Here's how things stand with MTD for VAT.

Business guides

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