https://davis-co.co.uk/ Practical business advice for UK companies en Sun, 08 Nov 2026 09:15:19 GMT https://davis-co.co.uk/payment-terms-30-60-90-framework-uk-smes/ https://davis-co.co.uk/payment-terms-30-60-90-framework-uk-smes/ Late payment is often treated as an accounts problem, but it usually begins with weak terms, unclear credit limits and an escalation process nobody follows. This playbook sets out enforceable payment terms, practical credit checks and a 30-60-90 timeline for UK SMEs that want to collect without damaging commercial relationships. Davis & Co Contracts & Risk Sun, 08 Nov 2026 09:15:19 GMT https://davis-co.co.uk/company-money-directors-loan-account-review-2026/ https://davis-co.co.uk/company-money-directors-loan-account-review-2026/ An overdrawn director’s loan account is rarely a paperwork problem alone: it can trigger a benefit-in-kind charge, a 33.75% corporation tax charge under s455, and an unwelcome conversation at year-end. This review sets out the £10,000 threshold, a worked example and a practical pre-year-end checklist for UK owner-managers. Davis & Co Tax & Compliance Sun, 08 Nov 2026 09:15:19 GMT https://davis-co.co.uk/beyond-boilerplate-force-majeure-audit-2026/ https://davis-co.co.uk/beyond-boilerplate-force-majeure-audit-2026/ Force majeure wording is often inherited, rarely tested and suddenly vital when supply chains wobble or a key supplier disappears. This practical audit shows UK SMEs where standard clauses tend to fail and how to tighten the highest-risk contracts without a full legal rewrite. Davis & Co Contracts & Risk Sun, 08 Nov 2026 05:19:09 GMT https://davis-co.co.uk/cash-behind-paperwork-five-uk-tax-reliefs-2026/ https://davis-co.co.uk/cash-behind-paperwork-five-uk-tax-reliefs-2026/ Many micro-companies lose tax relief through a missed eligibility test or thin records, not through bad faith. This plain-English review covers five reliefs worth checking in 2026 and flags the heavily marketed claim most small firms should approach with caution. Davis & Co Tax & Compliance Sun, 08 Nov 2026 05:19:09 GMT https://davis-co.co.uk/paperwork-that-pays-due-diligence-records-room/ https://davis-co.co.uk/paperwork-that-pays-due-diligence-records-room/ Most small UK companies discover the true state of their record-keeping only when a buyer, lender or investor issues a due diligence request. A disciplined records room is not administrative decoration: it shortens transactions, reduces price adjustments and supports the valuation case at exit. Davis & Co Tax & Compliance Sun, 08 Nov 2026 01:18:03 GMT https://davis-co.co.uk/business-rates-revaluation-2026-director-playbook/ https://davis-co.co.uk/business-rates-revaluation-2026-director-playbook/ The 2026 revaluation is no longer a forecast: revised rateable values are feeding through to bills across England and Wales. This director-level guide explains how the figures are constructed, how to interrogate an unexpected demand, and how to protect cash flow before the next instalment falls due. Davis & Co Commercial Property Sun, 08 Nov 2026 01:18:03 GMT https://davis-co.co.uk/festive-cheer-clean-ledger-150-staff-party-allowance-2026/ https://davis-co.co.uk/festive-cheer-clean-ledger-150-staff-party-allowance-2026/ HMRC's £150 annual function exemption can keep a Christmas celebration free of benefit-in-kind tax, but the detail matters. This checklist helps UK employers plan the 2026 festive season, document costs and avoid a payroll surprise. Davis & Co Tax & Compliance Sat, 07 Nov 2026 21:22:06 GMT https://davis-co.co.uk/from-kitchen-table-to-leasehold-2026-uk-business-premises/ https://davis-co.co.uk/from-kitchen-table-to-leasehold-2026-uk-business-premises/ Moving into your first commercial premises is a milestone, but a five-year lease can outlast your business plan. This field guide explains the terms to test in 2026, from heads of terms and break clauses to service charges and personal guarantees. Davis & Co Commercial Property Sat, 07 Nov 2026 21:22:06 GMT