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Paul Stewart

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In his role as an independent business consultant, Paul works closely with his clients to enable them to focus on their business with clarity thus helping them not only to achieve their professional goals but also realise their full potential on a more personal level too. Sixteen years in the business banking sector has provided a solid foundation upon which to draw.

Managing Staff Holiday Entitlement During Times Of COVID-19

As we push deeper into the second half of this unprecedented year, employers are now potentially facing different challenges due to the implications of staff returning to work with unused holiday entitlement. How might this clash with rebuilding their business? Some businesses remained open throughout lockdown, with many operating under the requirement to provide products […]


The IT Security Implications Of Working From Home

The lockdown caused by COVID-19 has brought about a significant shift in the way companies are utilising their workforce and for many, the possibility of working from home may become more permanent as things ease. Making greater use of IT is smart thinking. The forced lockdown will have resulted in two different scenarios, with both […]


How To Obtain Finance Under The Government Bounce Back Loan Scheme

While COVID-19 forced many businesses to temporarily close, it’s important to be thinking positively about the easing of lockdown and return to work. As I write this, some industries such as retail have already been given the green light and resumed trading from 15th June. For others, particularly within the hospitality and leisure industries, there […]


How To Restart A Business Impacted By COVID-19 Part 2

In Part 1, you discovered how it’s possible for your business to recover from COVID-19, especially if you already have the three key traits to business success. For easy reference, these are: A good product or service Engagement Constant improvement What if your business doesn’t have these key business success traits? Certain industries, (retail in […]


How To Restart A Business Impacted By COVID-19 Pt1

The Coronavirus pandemic has created a topsy-turvy world and an unstable economic environment. When an outside force creates untold damage to every person’s way of life, especially in the way we are affected at the moment, then we have to rise to the challenge and seek new solutions. Yesterday’s problems are irrelevant as lives are […]


How To Write A Cash Flow Forecast For A Start Up Business

In a recent article, you discovered how to write a profit and loss forecast for a start-up business. Any finance house or bank looking at a lending proposition, cannot make a decision to support a funding request based upon this document alone. The profit and loss forecast will support the story within the business plan, […]


How To Write A Profit And Loss Forecast For Your Start-up Business

So you have a great business idea which you believe will be successful. The only drawback is that you need to borrow money to purchase supplies or simply to buy time for the business to generate sales and become self-financing. Whatever the reason for borrowing money, it’s likely that you will be asked for a […]


Is This The End Of High Street Shopping As We Know It?

The announcement in October 2018 of major losses and proposed significant reduction in the number of stores by Debenhams is a huge blow to high street retailing. The terrible news follows the recent administration of House of Fraser which has subsequently been purchased by the Sports Direct Group. The closure of these two high street […]


Making Tax And VAT Digital For Small Businesses – Are You Ready?

It seems only yesterday that one of my clients called me in a panic, having received a letter from HM Customs & Excise introducing a new online VAT system and a date for their business to be live. Following this, all quarterly VAT returns would be submitted online. Nobody wanted change. Nobody wanted to climb […]


Should You Weatherproof Your Business?

The recent adverse weather conditions hit some UK businesses hard. Lost revenues were experienced by many through lost customer focus, difficult trading conditions, staff shortages, and the inability to collect/deliver products. With climate change continuing to dominate headlines and the expectation of further “freak” weather conditions, should business owners seriously consider how to weatherproof their […]


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