Financial Information Disclaimer

No personal recommendation

We do not know your circumstances. Nothing here takes account of your specific financial position, business structure, cash reserves, or risk tolerance. No page, guide, or tool result should be treated as a recommendation to take, or not take, a particular product or action.

For advice tailored to your exact situation, you must speak to a qualified accountant, a registered tax adviser, or an FCA-authorised financial adviser as appropriate.

Tools and calculators

Our tools are planning aids designed to help you think about your numbers. They use simplified assumptions which are explicitly shown on every tool page. They cannot produce a binding tax computation, an affordability decision, or an approval prediction.

Results are estimates. Round figures are used deliberately to avoid false precision. Never submit a tax return based solely on the output of a web calculator.

Credit products and borrowing

Borrowing money costs money. Credit is always subject to status, eligibility, and affordability checks by the lender. Missed payments can severely affect your business credit file and, where a personal guarantee applies, your personal credit file and personal assets.

If you are struggling with business or personal debt, do not take out further credit. Free, impartial, and confidential help is available from organisations such as Business Debtline and Citizens Advice.

Accuracy over time

Rates, tax thresholds, legal requirements, and product terms change constantly. While we review our content regularly, we cannot guarantee that every page reflects the law as it stands today. Always check the provider's own site and current GOV.UK guidance before making any financial commitment.