Political change can create uncertainty for business owners, but SMEs cannot afford to wait for perfect clarity. Rich Olsen sets out seven practical actions leaders can take over the next 90 days, from protecting cash and stress testing the business to reviewing customer risk, watching policy developments and focusing on what they can control.
Finance
SME Funding in 2026: Moving Beyond Survival Borrowing
Many SMEs are using finance as a short-term fix for cash flow pressure rather than as a planned tool for growth. UKBA member Rich Olsen explains why timing, preparation and broker transparency matter, and how business owners can improve their funding options before pressure becomes urgent.
SME Resilience: Why Confidence Alone Won’t Protect Your Business in 2026
New research suggests UK SME owners feel confident about their resilience, yet many remain exposed to rising costs, weak cash reserves and a lack of forward planning. This article explores the gap between confidence and capability, and outlines three practical steps business owners can take to build stronger, more resilient businesses in 2026.
Are Business Credit Cards Quietly Creating Cash Flow Pressure in Your SME?
More SMEs are relying on business credit cards to manage cash flow, but short-term borrowing can quietly create longer-term pressure. This article explores the risks of over-reliance on credit cards, why they can restrict future funding options and why SME owners should review their wider funding strategy before problems escalate.
Manufacturing SMEs Need Financial Clarity More than a Full-Time FD
Many manufacturing SMEs appear strong on the surface but lack clear financial visibility underneath. This article explains why growing businesses do not always need a full-time Finance Director, but do need better financial clarity to support decision-making, protect margins and avoid unnecessary pressure.
Business Acquisitions: Why SME Owners Should Secure Funding Before Agreeing the Deal
Many SME owners move quickly when pursuing acquisitions, but agreeing terms before understanding funding can lead to stalled or failed deals. This article explains why early engagement with lenders and clear funding strategy are critical to negotiating from a position of strength and completing acquisitions successfully.
The Biggest Funding Mistake SME Owners Make — and How to Avoid It
Many SME owners focus on whether they can afford monthly repayments when borrowing, but overlook the true cost of finance. This article explains why that approach can create longer-term pressure and outlines the key factors business owners should consider to make more strategic funding decisions.
Why Financial Confidence Breaks Down in Growing SMEs — and How Owners Regain It
Many SME owners lose financial confidence not because they lack knowledge, but because growing complexity makes decisions harder. This article explains why confidence often breaks down as businesses grow, why dashboards alone do not solve the problem, and how experienced advisors help owners turn numbers into clearer judgement and better decisions.
Calling all SMEs: Set Yourself up for Success in 2026
As 2026 begins, many SMEs are facing uncertainty and tighter trading conditions. This article shares five practical steps to strengthen resilience, with a focus on cashflow discipline, forward financial planning, staying committed to long-term goals, improving efficiency through automation and reviewing debt to reduce pressure. It is a clear checklist for SME leaders who want to start the year with control and confidence.