simple business plan uk

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• Business and self-employed
• Business finance and support

Write a business plan

Download free business plan templates and find help and advice on how to write your business plan.

Business plan templates

Download a free business plan template on The Prince’s Trust website.

You can also download a free cash flow forecast template or a business plan template on the Start Up Loans website to help you manage your finances.

Business plan examples

Read example business plans on the Bplans website.

How to write a business plan

Get detailed information about how to write a business plan on the Start Up Donut website.

Why you need a business plan

A business plan is a written document that describes your business. It covers objectives, strategies, sales, marketing and financial forecasts.

A business plan helps you to:

• clarify your business idea
• spot potential problems
• set out your goals
• measure your progress

You’ll need a business plan if you want to secure investment or a loan from a bank. Read about the finance options available for businesses on the Business Finance Guide website.

It can also help to convince customers, suppliers and potential employees to support you.

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Free Simple Business Plan Template

Our experts

Written and reviewed by:.

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Your business plan is the document that adds structure to your proposal and helps you focus your objectives on an achievable and realistic target. It should cover every aspect of what your business journey will look like, from licensing and revenue, to competitor and sector analysis.

Writing a business plan doesn’t need to be a difficult process, but it should take at least a month to be done properly.

In today’s capricious business climate there’s a lot to consider, such as the impact of political challenges like Brexit. These details are especially important in today’s bad economy. Investors are looking for entrepreneurs who are aware of the challenges ahead and how to properly plan for them.

Below, you’ll find everything you need to create a concise, specific and authoritative business plan. So let’s get started turning your idea into a reality!

Click here to download your free Business Plan template PDF – you can fill in your own details and those of your business, its target market, your customers, competitors and your vision for growth.

Our below guide will give you detailed advice on how to write a quality business plan, and our PDF download above can give you a clear template to work through.

But, creating an effective business plan needs….planning! That’s where a high quality planning tool can help.

We recommend creating an account with monday to use this tool – there’s even a free trial . Doing so means you can start your entrepreneurial journey on the right foot.

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What to include in your business plan template

There’s a lot of information online about how to write a business plan – making it a confusing task to work out what is and isn’t good advice.

We’re here to cut through the noise by telling you exactly what you need to include for a business plan that will satisfy stakeholders and help develop a key identity for your brand. By the end, you’ll have a plan to make even Alan Sugar proud and can get started with the most exciting part – running your business.

Throughout this guide, we’ve featured an example business plan template for a new restaurant opening in Birmingham called ‘The Plew’. In each section, you’ll be able to see what the contents we’re describing would look like in a ‘real-life’ document.

What to include in your business plan:

• Executive Summary
• Personal summary
• Business idea
• Your product or service
• Market analysis
• Competitor analysis
• Cash forecast
• Operations and logistics
• Backup plan
• Top tips for writing a business plan
• Business plan template UK FAQs

1. Executive summary

This section is a summary of your entire business plan. Because of this, it is a good idea to write it at the end of your plan, not the beginning.

Just as with the overall business plan, the executive summary should be clearly written and powerfully persuasive, yet it should balance sales talk with realism in order to be convincing. It should be no more than 1,000 words.

It should cover:

• Mission statement  – what is your company’s purpose?
• Business idea and opportunity – what unique selling point (USP) will you provide?
• Business model – how will your business operate?
• Business objectives – what are you aiming to achieve?
• Target market – who is your customer base?
• Management team – who are the owners/senior staff?
• Competition – who are you competing against?
• Financial summary – can you prove the business will be profitable?
• Marketing strategy – what is your marketing plan and associated costs?
• Timeline – how long will it take to launch/grow your new business?

It sounds like a lot – but don’t feel you have to spend hours putting this together. Here’s what the above information for an executive summary might look like when put into our example business plan template for ‘The Plew’:

Startups’ business plan template example: executive summary

2. Personal summary

Investors want to know who they’re investing in, as much as what. This is where you tell people who you are, and why you’re starting your business.

Outline your general contact details first, giving your telephone number, email address, website or portfolio, and any professional social media profiles you might have.

Run through this checklist to tell the reader more about yourself, and put your business ambitions into context.

• What skills/qualifications do you have?
• What are you passionate about?
• What is/are your area(s) of industry expertise?
• Why do you want to run your own business?

Here’s what our two fictional co-founders of ‘The Plew’ might write in their personal summaries for our example business plan. CEO Gabrielle Shelby, has highlighted her expertise in the restaurant industry, while CFO Freya Moore outlines her accounting and finance knowledge.

Startups’ business plan template example: personal summary

Richard Osborne, founder and CEO of UK Business Forums, says personality is important in a business plan.

“Having a strong, personal reason at the heart of your business model will help keep you going and give you the motivation to carry on,” he affirms.

3. Business idea

This section is essentially to offer a general outline of what your business idea is, and why it brings something new to the market.

Here, you should include your general company details, such as your business name and a  one-line summary of your business idea known as an  elevator pitch. This section should also list a few key business objectives to show how you plan to scale over the next 1-3 years.

We also recommend carrying out a SWOT analysis to tell investors what the strengths, weaknesses, opportunities, and threats are for your business idea. Think about:

• Strengths: ie. why is this a good time to enter the sector?
• Weaknesses: ie. what market challenges might you encounter?
• Opportunities: ie. what demand is your product/service meeting in today’s market?
• Threats: ie. how will the business be financed to maintain liquidity?

In the template below, you can see a breakdown of the above information for ‘The Plew’. At the top is its mission statement: “to craft an unforgettable dining experience in a chic atmosphere.”

Startups’ business plan template example: business idea

Need a business idea? We’ve crunched the numbers and come up with a list of the best business ideas for startup success in 2023 based on today’s most popular and growing industries.

4. Your products or services

Now it’s time to explain what you are selling to customers and how will you produce your sales offering.

Use this section to answer all of the below questions and explain what you plan to sell and how. Just like your business idea outline, your answers should be concise and declarative.

• What product(s) or service(s) will you sell?
• Do you plan to offer new products or services in the future?
• How much does the product or service cost to produce/deliver?
• What is your pricing strategy ?
• What sales channels will you use?
• Are there legal requirements to start this business?
• What about insurance requirements?
• What is the growth potential for the product or service?
• What are the challenges? eg. if you’re looking to sell abroad, acknowledge the potential delays caused by post-Brexit regulations.

What insurance and licensing requirements do you need to consider?

Depending on what your business offers, you might need to invest in insurance or licensing. Our How To Start guides have more details about sector-specific insurance or licensing.

Public Liability, Professional Indemnity, and Employers’ Liability are the most well-known types of business insurance. We’ve listed some other common other licensing and insurance requirements below:

In our example product/service page for ‘The Plew”s business plan, the founders choose to separate this information into multiple pages. Below, they outline their cost and pricing, as well as sales strategy. But they also include an example menu, to offer something a bit more unique and tantalising to the reader:

Startups’ business plan template example: product list and pricing strategy

5. Market analysis

This section demonstrates your understanding of the market you are entering, and any challenges you will likely face when trying to establish your company.

This section pulls all of your target market and customer research together to indicate to stakeholders that you are knowledgable about the sector and how to succeed in it.

• Who is your typical customer and where are they are based? Describe the profile of your expected customers eg. average age, location, budget, interests, etc.
• How many customers will your business reach? Outline the size of your market, and the share of the market that your business can reach.
• Have you sold any products/services to customers already? If yes, describe these sales. If no, have people expressed interest in buying your products or services?
• What have you learned about the market from desk-based research? What are the industry’s current challenges, and how has it been affected by the economic downturn?
• What have you learned about the market from field research? (eg. feedback from market testing like customer questionnaires or focus group feedback).

What is your marketing strategy?

Once you’ve highlighted who your rivals are in the market, you can provide details on how you plan to stand out from them through your marketing strategy. Outline your  business’ USP, your current marketing strategy, and any associated advertising costs.

‘The Plew’ identifies its target audience as young, adventurous people in their mid-30s. Because of the restaurant’s premium service offering, its audience works in a well-paid sector like tech:

Startups’ business plan template example: customer analysis

6. Competitor analysis

This section demonstrates how well you know the key players and rivals in the industry. It should show the research you have carried out in a table format.

Begin by listing the key information about your competitors. Don’t worry about sounding too critical, or too positive. Try to prioritise accuracy above all else.

• Business size
• Product/service offering
• Sales channels
• Strengths/weaknesses

Competitors will take two forms, either direct  or  indirect. Direct competitors sell the same or similar products or services. Indirect competitors sell substitute or alternative products or services.

Here’s a breakdown of the strengths, weaknesses, and opportunities, and threats presented by a competitor restaurant for ‘The Plew’ called Eateria 24. At the bottom, the founders have written what learnings they can take from the chart.

Startups’ business plan template example: competitor analysis

Check out our list of the top competitor analysis templates to download free resources for your business, plus advice on what to include and how to get started.

7. Cash forecast

Outline your financial outlook including how much you expect to spend, and make, in your first year

All of your considered costs can be put into one easy-to-read document called a monthly cash forecast. Cash forecasts contain:

1. Incoming costs such as sales revenue, customer account fees, or funding.

2. Outgoing costs such as staff wages or operating expenses. The latter can cover everything from advertising costs to office supplies.

For those firms which have already started trading, include any previous year’s accounts (up to three years) as well as details of any outstanding loans or assets.

Annual cash forecast: what is it?

By conducting 12 monthly cash forecasts, you can create an annual cash forecast to work out when your company will become profitable (also known as breakeven analysis) . You will break even when total incoming costs = total outgoing costs.

In your annual cost budget, make sure to also include month opening/closing balance.  This is important to monitor for accounting, particularly for year-end.

• Opening balance = the amount of cash at the beginning of the month
• Closing balance = the amount of cash at the end of the month

The opening balance of any month will always be the same as the closing balance of the previous month. If you are repeatedly opening months with a negative closing balance, you need to adjust your spending. Here’s an example of what ‘The Plew’s financials might look like in its first year of operation:

Startups’ business plan template example: cash forecast

8. Operations and logistics

Explain how your day-to-day business activities will be run, including key business partnerships around production and delivery.

A.) Production

List all of the behind the scenes information about how your business will operate. Include:

• Management team – who do you plan to hire as senior staff and why?
• Premises –  where will you be based? What will be the cost?
• Materials –  what materials/equipment will you need to make your product/service?
• Staffing –  how many employees will you hire? How much will they cost?
• Insurance – what insurance do you need for production?

B.) Delivery

Detail how your customers will receive your product or service. Include:

• Distribution –  how will you sell your product to customers?
• Transport –  how will you transport the product/service to customers or partners?
• Insurance –  what insurance do you need for delivery?

C.) Supplier analysis

Lastly, you should carry out a supplier analysis.  Write down 2-3 suppliers you plan to use as part of your business operations and evaluate them on factors like location and pricing.

In our example business plan for ‘The Plew’, the founders have chosen to present this information in an easily-digestible chart, breaking down the leadership and employees into two different areas: product development and operations.

Startups’ business plan template example: staffing section

9. Backup plan

Explain how you will manage any surprise losses if your cash forecast does not go to plan.

In the event that your business does not go to plan, there will be costs to incur. A backup plan outlines to potential investors how you will pay back any outstanding loans or debt.

In the short-term: 

If your cash-flow temporarily stalls, what steps could you take to quickly raise money or make savings? For example, by negotiating shorter payment terms with your customers.

In the long-term:

If you’ve noticed a drop in sales that seems to be persisting, what changes can you make that would improve cash flow longer term? For example, can you do more of your business online to reduce rent fees?

To placate investors even further, it’s a good idea to include details about potential support channels you can utilise (eg. a business network or contact) who might be able to help if you get caught in a sticky cash-flow situation.

Startups’ 5 top tips for writing a business plan

• Keep your predictions realistic. Your business plan should showcase your knowledge of the sector and what’s achievable. It’s not about impressing investors with big numbers or meaningless buzzwords.
• Don’t go over 15 pages. Business plans should be engaging, which means sticking to the point and avoiding a lot of long-winded sentences. Keep your executive summary to less than 1,000 words, for example.
• End with supporting documents. Use your appendix to include product diagrams or detailed research findings if these are helpful to your business case.
• Get a second pair of eyes. Everyone misses a spelling error or two – invite a trusted business contact or associate to look over your business plan before you send it anywhere.
• Leave enough time to write! It’s exciting to think about getting your business up and running – but planning is an important step that can’t be rushed over. Spend at least a month on writing to get all the details correct and laid-out.

At Startups.co.uk, we’re here to help small UK businesses to get started, grow and succeed. We have practical resources for helping new businesses get off the ground – use the tool below to get started today.

What Does Your Business Need Help With?

Designing a business plan is very important for laying the foundation of your business. Ensure you spend an appropriate amount of time filling it out, as it could save you many headaches further down the line.

Once your plan is complete, you’ll then be ready to look at other aspects of business set-up, such as registering your company. Sound daunting? Don’t worry!

Our experts have pulled together a simple, comprehensive guide on How to Start a Business in 2024, which will tell you everything you need to know to put your new plan into action.

• Can I write a business plan myself? Absolutely! There are plenty of resources available to help, but the truth is a business plan needs to reflect the owner's personal ambitions and passion - which is why entrepreneurs are best-placed to write their own.
• How long should a business plan be? We recommend your business plan is kept to a maximum of 15 pages. Keep it short and concise - your executive summary, for example, should be no more than 1,000 words.
• Is it OK to copy a business plan? While not technically illegal, copying a business plan will leave you in a poor position to attract investment. Customising your plan to your unique business idea and industry specialism is the best way to persuade stakeholders that you have a winning startup formula.

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What are you looking for, how to write a business plan uk | free uk business plan template.

• Brought to you by AAT Business Finance Basics

• 1. What is a business plan?
• 2. Download: Free UK business plan template
• 3. Getting started on a business plan
• 4. How to structure a business plan step-by-step
• 5. What content should a business plan include?
• 6. UK business plan example 1: GreenTech Innovations
• 7. UK business plan example 2: EcoBoutique
• 8. UK business plan example 3: BizConsult Solutions
• 9. Business plan writing tips

You’ve got the brilliant business idea, you might have even started setting up or running your business, but writing a business plan and creating business proposals are vital for the launch and growth of any venture. It’s a document where you can organise all your ideas, create a company description, make sure that you’ve considered and researched everything, and ultimately decide that the business is viable. Commitment to making a business plan is a commitment to the business. Read our guide and download your free business plan template. 

What is a business plan?

A business plan is a document that details all the future plans and predictions for your business. It will explain your ideas, map out how they’ll be put into practice and provide relevant information and facts including the business details, management plan, operating plan, marketing and sales strategy , financial projections, and operational and team specifics.  

A business plan is essential in helping you: 

The business plan is a living, working document that should be read and reviewed regularly. If there are multiple directors or partners in the business then they should all be in agreement with what the plan outlines, the detailed information in the plan, and what is written in the plan. You will also need to share it with potential investors. The business plan will formalise all the ideas and assumptions, keep you focused, and ensure that everyone is on the same page.

How long writing your business plan should take will depend on your business size, the complexities of it and what stage you’re at. The most important thing is that it’s user-friendly and doesn’t include any waffle. Get straight to the nitty-gritty so that your stakeholders are engaged when reading it and so that you are more likely to use and update it regularly. Your business plan will probably cover the first three to five years. It’s important to include all the right information (see the checklist below) but it’s not a document to spend too long on. It’s more important that you are spending time running the business.

There are lots of business plan examples out there but typically yours should include: 

• What your business will do 
• The business structure and operations  
• Team members and their expertise 
• Market analysis to see current and projected state of the market and industry
• How your business will sell and market  
• Startup costs and funding required 
• Financial projections 
• Legal requirements 

Writing a business plan will allow you to take a step back and look at the business more objectively, predicting potential issues in advance, such as financial forecasts, and coming up with solutions or a shift in how you originally thought that you would do something.

Download: Free UK business plan template

We want to take the stress out of writing a business plan. Our free downloadable UK business plan template will guide you on everything you need to include and get your business primed for success. 

Download: Please login or register to get your download.

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Getting started on a business plan

Before you begin to make your business plan, keep these three things at the forefront of your mind. 

Focus on what makes you unique

Be creative with your plan, shout about your unique selling proposition (USPs) and what makes you different. Represent your brand using language and visuals, and talk about why you and your team are best to run this business.

Don’t over complicate it

Keep it concise so that you can get on with running the business and so the business plan is an easily readable and usable document. Too much detail in the plan can become confusing.

Be realistic and honest

The business plan will give you an indication of where you’re supposed to be. Review it every few months, update it as you go and change your activities in line with it. It will be impossible for you to predict everything so just give it your best shot and be prepared to be flexible.

How to structure a business plan step-by-step

The business plan should follow this format with these six sections. 

You must be logged in to use this checklist

The executive summary should always be written last. Think of it as a one-pager giving an overview of all the best bits of your plan. If the executive summary doesn’t captivate and interest the reader then it’s unlikely that they will read the rest of your plan. 

Describe your what, where, who and why - including your product/service, brand, location, business model and size. 

This section will involve the most amount of research as you study the current and projected conditions of the market and the industry, and look at what your competition is doing , before making your own marketing plans . 

Explain the experience, skills and credentials of all the people involved. Why are they the right people to make this a success?

Detail your required facilities, premises, systems and software. 

This section translates everything into numbers - your startup and running costs, funding , revenue projections with a cash flow forecast . 

What content should a business plan include?

Take a look at these business plan sections in more detail to see examples of the sort of details you should include, depending on your type of business. In the next section, we’ve used this framework to create some UK business plan examples featuring three fictional small businesses. 

1. The executive summary

Give a topline description of:

• In the most basic terms, what is the business? Is it a product or service? What does it do and how?
• Why is there a need for this business?
• What does this business do better than similar existing businesses?
• What experience or skills do you have that will help make this business a success?
• How will it make money?
• Who will your customers be?
• Who are your main competitors?
• How will people find out about you?
•  What is the opportunity for investors?

2. Business details and description

• Describe your what, where, who and why – including your product/service, brand, location, business model and size.
• Food (lunch / dinner)
• Private hire for meetings / parties / events
• Putting on own events (music, comedy)
• Classes (e.g. cocktail making)
• What will the legal structure of your company be (LTD, PLC, sole trader, partnership, charity, social enterprise)?

3. Marketing and sales strategy

4. management and employees.

• Who will make up your team and what relevant skills and experience do they have?
• Do you need to employ people?
• What friends/family/business contacts do you have with skills that might be able to help you (preferably for free)?
• Do you need to outsource anything?

5. Operational set up

• What premises do you need? Where will they be? Where will you work from?
• What assets/tools do you require (and which of these do you already have)?
• Are there any licences that you require? Any other legal considerations?

6. Financial plan and projections

Uk business plan example 1: greentech innovations, 1. executive summary.

GreenTech Innovations is a tech startup developing advanced solar panel technology that increases energy efficiency by 20%. This business addresses the growing demand for affordable and sustainable energy solutions. We stand out with our patented technology and a team of experienced professionals. Our revenue model includes direct sales to consumers and partnerships with energy companies. Our customers are environmentally conscious homeowners and businesses. Competitors include SolarCity and SunPower, but our superior technology and lower costs offer a competitive edge. We will use digital marketing and industry trade shows to gain visibility. 

GreenTech Innovations, based in London, specializes in renewable energy products. Our core product is an innovative solar panel with higher efficiency and lower costs. Revenue streams include direct sales, energy company partnerships, and government contracts. We are structured as an LTD company.

Products/services/revenue streams:

• High-efficiency solar panels
• Installation services
• Maintenance contracts
• Licensing our technology to other manufacturers
• Government and commercial contracts

Market conditions and competition: The renewable energy market is growing, driven by environmental concerns and government incentives. Competitors like SolarCity market themselves as premium providers; we will differentiate by offering better technology at a lower price. The UK market spends billions on renewable energy annually, with strong demand forecasted.

Target market: Our target market includes environmentally conscious homeowners and businesses. Ideal customers are tech-savvy, value sustainability, and are looking for long-term savings on energy costs.

The brand: Our brand stands for innovation and sustainability. Our mission is to make renewable energy accessible and affordable. We will communicate through a professional, approachable tone and prioritize customer education.

Sales and marketing plan:

• Website with e-commerce capabilities
• Social media campaigns
• SEO and PPC advertising
• Email marketing
• Partnerships with green energy advocacy groups
• Presence at trade shows and industry conferences

Our team includes Dr. Jane Smith (CEO), a solar energy expert with 20 years of experience, and John Doe (CTO), who holds several patents in solar technology. We plan to hire additional engineers, marketing professionals, and sales staff. Some tasks, such as legal and accounting, will be outsourced.

We need a manufacturing facility in London, equipped with state-of-the-art machinery for solar panel production. Our office will house our R&D lab, administrative offices, and logistics team. Necessary licenses include manufacturing and environmental permits.

6. Financial plan and projections costs:

• Manufacturing equipment: £500,000
• Initial inventory: £200,000
• Facility lease: £100,000/year
• Staff salaries: £300,000/year
• Marketing: £100,000

Startup finance:  We seek £1 million in funding through equity investment and government grants.

Pricing: Our solar panels will be priced competitively at £500 per unit, with a 30% profit margin.

Projected accounts:

• Year 1: Revenue £2 million, Profit £400,000
• Year 2: Revenue £4 million, Profit £1 million
• Year 3: Revenue £8 million, Profit £2.5 million

UK business plan example 2: EcoBoutique

EcoBoutique is a sustainable fashion retailer offering eco-friendly clothing and accessories. Addressing the rising demand for ethical fashion, we differentiate ourselves with unique designs and fair-trade practices. Our team, led by experienced fashion designer Emma Green, will operate from a flagship store in Manchester and an online platform. Our revenue model includes direct sales and partnerships. Our target customers are environmentally conscious consumers. Competitors include other sustainable fashion brands, but our commitment to quality and ethical sourcing sets us apart. We seek £500,000 in funding to establish our store and marketing efforts, promising growth and strong returns.

EcoBoutique, located in Manchester, sells sustainable clothing and accessories. Revenue streams include in-store and online sales, private events, and wholesale partnerships. The company will be structured as an LTD.

• Sustainable clothing (organic cotton, recycled materials)
• Accessories (bags, jewelry)
• Private hire for fashion events
• Online store
• Wholesale to other retailers

Market conditions and competition: The sustainable fashion market is expanding rapidly. Competitors like Patagonia and People Tree use online marketing and brand loyalty strategies. The UK fashion industry sees significant consumer spending, with growing interest in sustainable options.

Target market: Our ideal customers are eco-conscious individuals aged 20-40, interested in fashion and sustainability.

The brand: EcoBoutique stands for ethical fashion and sustainability. Our mission is to provide stylish, eco-friendly clothing. We will use a friendly, informative tone and emphasize our commitment to fair trade.

• Website with e-commerce and blog
• Social media and influencer partnerships
• Email newsletters
• Community events and pop-up shops
• Print advertising in eco-friendly magazines

Our team includes founder Emma Green, a fashion designer with a background in sustainability, and Liam Brown, our marketing manager with extensive retail experience. We will hire sales associates and an e-commerce manager. Some services, such as accounting and web development, will be outsourced.

We need a retail space in Manchester, designed with sustainable materials, and an e-commerce platform. Licenses required include retail and health & safety permits.

• Store renovation: £200,000
• Inventory: £100,000
• Marketing: £50,000
• Staff salaries: £150,000/year
• E-commerce platform: £50,000

Startup finance: We seek £500,000 through a combination of loans, personal investment, and crowdfunding.

Pricing: Clothing items priced between £30-£150, with a 40% profit margin.

• Year 1: Revenue £1 million, Profit £150,000
• Year 2: Revenue £1.5 million, Profit £300,000
• Year 3: Revenue £2 million, Profit £500,000

UK business plan example 3: BizConsult Solutions

BizConsult Solutions is a consulting firm offering business strategy and digital transformation services for SMEs. We address the need for modern, tech-savvy business solutions in a competitive market. Our experienced team, led by Sarah Lee, specializes in helping businesses innovate and grow. We generate revenue through consulting fees, workshops, and retainer agreements. Our target customers are SMEs across various industries. Competitors include larger consulting firms, but our focus on SMEs and personalized service sets us apart. We will use content marketing and networking to attract clients. We seek £300,000 in funding to establish our office and marketing activities, promising steady growth and high returns.

BizConsult Solutions, based in Birmingham, offers consulting services in strategy and digital transformation. Revenue streams include hourly consulting fees, retainer agreements, and workshops. The company will be structured as an LTD.

• Business strategy consulting
• Digital transformation services
• Workshops and training sessions
• Retainer agreements for ongoing support

Market conditions and competition: The consulting market is competitive, with demand for digital transformation services rising. Competitors include large firms like McKinsey and Deloitte, but they primarily target larger enterprises. We focus on SMEs, offering affordable, high-quality services.

Target market: Our target market is SMEs in various sectors, seeking to modernize their operations and strategies.

The brand: BizConsult Solutions is innovative and client-focused. Our mission is to empower SMEs to thrive through strategic and technological advancements. We will communicate through a professional and approachable tone.

• Professional website with case studies and testimonials
• Content marketing (blogs, whitepapers)
• Webinars and online courses
• Networking events and industry conferences
• Email marketing and LinkedIn outreach

Our team includes Sarah Lee (CEO), with 10 years of consulting experience, and Michael O’Connor (CTO), an expert in digital transformation. We will hire additional consultants and administrative staff as needed. We will outsource web development and legal services.

We need an office in Birmingham, equipped with meeting rooms and collaborative workspaces. Essential tools include project management software and CRM systems. Required licenses include business operation permits.

• Office setup: £100,000
• Technology and software: £50,000

Startup finance: We seek £300,000 through a combination of bank loans and private investment.

Pricing: Consulting fees range from £100-£300 per hour, with retainer packages starting at £2,000 per month.

• Year 1: Revenue £500,000, Profit £100,000
• Year 2: Revenue £750,000, Profit £200,000
• Year 3: Revenue £1 million, Profit £350,000

Business plan writing tips

Writing a business plan can take some time and some areas of the plan will be easier to tackle than others. 

• Make initial notes every time you think of something and don’t worry if you can’t cover all points at the start.
• When you are ready to start to write the plan, make sure you use sections and these are in a logical order.
• It is important that your plan is simple, accurate and easy to follow if you are going to ask others to look at it.
• Try to avoid jargon or terms that only people in your type of industry will understand.

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Doing a business plan will improve your idea. It helps you think about your business from different points of view. The process will flag up unseen risks, but also new opportunities. Aside from helping refine your idea, a business plan will move it forward. It’ll give you a concrete set of steps to go from ‘I should’ to ‘I did’.

One-page business plan template

Great for making a start

Helps you pin down the main idea

Easy to update as things evolve

Multi-page business plan template

Ideal for nailing down the details

Required by most investors and lenders

Good if you face big startup costs

Tips to help with your business plan

Don’t obsess over every detail to start with. That will make the plan long and hard to change. Keep it short and concise initially.

Financing your business

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HELPING SMALL BUSINESSES SUCCEED

MORE DONUTS:

What do you need to know about starting a business?

• Start up business ideas
• Set up a business
• Skills and wellbeing
• Business planning
• Financing a business
• Tax and National Insurance
• Business law
• Sales and marketing
• Business premises
• Business IT
• Grow your business
• Types of business
• Testing business ideas
• Product development
• Is running a business really for you?
• Start up stories
• Registering as a sole trader
• Setting up a limited company
• Business names
• Buy a franchise
• Buying a business
• Starting an online business
• Setting up a social enterprise
• Small business support

Protect your wellbeing from the pressures of starting and running a business and develop key business skills.

• Dealing with stress
• Manage your time
• Self-confidence
• Write a business plan
• Business strategy
• Start up costs
• Start up funding
• Setting prices
• How to work out tax and NI
• Accounting and bookkeeping
• Licences and registration
• Protecting intellectual property
• Insurance for business
• Workplace health, safety and environmental rules
• Looking after your customers
• Promote your business
• Your marketing strategy
• Sales techniques
• Research your market
• Creating and optimising a website
• Commercial premises
• Premises security
• People management
• Recruitment, contracts, discipline and grievance
• Employment rights
• Hiring employees
• Buying IT for your new business
• Basic IT security
• Preparing for business growth
• How to scale up your business
• Funding business growth
• Start exporting
• Personal development

Business plan template

A well-written business plan is an essential tool for any business. Not only can it help you attract funding, it can also help you test your business idea.

What should I include in a business plan?

Most business plans cover the next 12-36 months and include the following:

• Outline the aims and goals for the business and how the business owner plans to achieve those goals.
• The background of the business
• Introduce the business' management team.
• profit and loss forecasts,
• a breakdown of how much money will be required to set up and run the business,
• sales forecasts,
• pricing strategy.
• Overview of the market the business operates within, the customers the business plans to target and what marketing methods will be used.
• Assessment of comparative strengths, weaknesses, opportunities and threats posed by rivals within that market.
• The last thing to be written is usually the executive summary - which should appear at the front of the business plan. It rounds up all the detailed information contained in the main body of the business plan.

A business plan does not need to be a lengthy document but should provide these key elements.

Business plan templates

These simple and professional business plan templates from Templates.net can help you set out your business idea, plan the road map for your business formation and help you attract funding.

Available in several file formats and easily customizable, these files are a great addition to your template library.

Download the business plan templates (charge applicable).

• Start up business plan
• Simple business plan
• One-page business plan
• Sample business plan
• Business plan outline

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Business Planning Templates

The first step in planning your business venture, clarifying your ideas, aims and objectives, is to write a business plan.

Your plan is an essential document to ensure your ideas are feasible and is critical for banks. In addition, new suppliers and larger customers may require this document for credit checks. It's also helpful to track progress against your original targets.

Writing Your Business Plan - Downloads

We have three templates you can use to do your business plan kindly offered by SCORE and Bank of Scotland. There are two for preparing the narrative of your plan (One for a startup business and the other for an existing business) and a cash flow template.

• Template for startup businesses: pdf startup template .
• Template for existing businesses: pdf existing business template .
• Financial planning spreadsheet for startup businesses: Excel financial plan template .

These free business plan templates can help you quickly write a business plan. First, you can download the templates as Adobe PDF files to your computer. Then, you can click each of the template links below to open now or right click your mouse to save for later use.

Basic Outline

A basic business plan outlines the answers to questions about your intentions, such as:

• Is there a demand for your products?
• How are you defining your customer demographics?
• What are your explicit strengths and weaknesses?
• Can you mitigate threats and exploit new market opportunities?
• Are your competitors aggressive or passive?
• Have you assigned key employees to your tactical plans?
• How robust are your financial plans?

Structure of Business Plans

Here's the basic structure in summary from the downloads above:

Executive Summary

It's best to write this section last after you've prepared the rest of your plan because this is simply a summary of the whole plan. It should ideally be one page, but two pages are equally acceptable.

Business Purpose

This area covers the fundamentals of your business, including:

• Mission statement
• Company goals and objectives
• Business philosophy
• The industry you're in
• Legal ownership and key employees

Products and Services

Describe your key products, services, pricing strategy and margins.

Marketing Plan

Detail your marketing activities, including market research, market trends, market size, external market economics, and barriers to entry. As your market is made up of customers, describe their characteristics.

You also need detailed information about your competitors and why you'll be able to take market share from them. And finally, you'll need information about your promotional activities to reach out and entice your potential customers to purchase your products.

Operations Plans

This part describes how you're going to produce your products together with distribution methods to get products to your customers and your wholesale suppliers.

Management and Staff

People are behind all successful businesses, so including the key people and advisors is essential.

Startup Costs Budget

If you're starting a new business, you should detail the costs you'll incur while starting up before the day to day operations commence. For most companies, this is the amount they'll need initial funding for to begin trading.

Financial Plans

Your financial plans should contain enough detail (i.e., monthly) for the first year, then quarterly or yearly for the following two years. You should include a profit and loss account, a cash flow forecast and a Balance Sheet together with a break-even analysis.

Additional Business Planning Help

Use the following sites to get additional business planning templates to assist starting your business.

• Teneric planning templates
• Check your startup costs

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How to Write a Business Plan in 8 Simple Steps

Many or all of the products and brands we promote and feature including our ‘Partner Spotlights’ are from our partners who compensate us. However, this does not influence our editorial opinion found in articles, reviews and our ‘Best’ tables. Our opinion is our own. Read more on our methodology here .

8 step business plan checklist

Why should i write a business plan, how to write a traditional business plan, how to write a lean start up business plan, tips for writing a business plan, get your small business off to a great start.

A business plan is a written document that describes your business, usually covering strategies, objectives, marketing, sales and financial forecasts. More than that, it can be a way to provide a clear roadmap designed to take your business from where it is today to where you want it to be in the future.

But if you haven’t created one before, it can be hard to know where to start. That is why we have put together a guide on how to write a business plan, including the elements you might want to include, and the different small business plan formats you may want to consider.

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When writing a business plan, there are several factors to pay particular attention to.

• Have you included an executive summary detailing your mission statement?
• Are you clear on both your competitive advantages AND the key risks facing your business?
• Do you have a detailed organisational chart showing the structure of your business personnel?
• Are you on top of trends in your industry, and how your business can stand out?
• Have you explained how you will attract and retain your customer base?
• Are you explicit about how your product or service will benefit its intended audience?
• Do you know how much funding you need, and in what form?
• Have you included your latest financial projections?

This list is not necessarily exhaustive, but highlights some key things to pay attention to as you create your business plan.

There are a range of reasons why you might consider writing a business plan, from clarifying your intentions to securing a business loan.

Clarify your business idea

By writing a business plan you can hone and sharpen your initial business idea, making it a stronger, more detailed proposition.

It will give you a top level overview of what you need to do and, importantly, how much money you need to do it.

Set out your goals

Going through the process of creating a business plan will help you set out tangible goals for different stages of your growth.

Where you want to be after year one will differ from what you want to have achieved by year five, and writing a plan will encourage you to engage with your targets on both a short- and long-term basis.

Spot potential problems

A business plan isn’t only about sharpening your idea and setting your goals. If done properly, it can help you spot potential problems that you may not have previously considered, or that were not obvious until you’d done the research a business plan requires.

Measure your progress

A business plan is only the beginning. Once it is in place, you will have a set of targets to measure your progress against.

These targets can act as points of reference to evaluate the various stages of your organisation’s development.

Securing funding

A business plan will be essential if you’re looking to secure a business loan or other form of credit from a bank. Potential investors will also want to see one before they consider partnering with you.

It can also help convince suppliers, customers and employees to support you in your endeavour.

A traditional business plan is comprehensive and detail-oriented. For these reasons, it is the format most commonly requested by lenders and investors.

Let’s go through the sections you would expect to see in a traditional business plan – but remember, you don’t need to stick to an exact outline. Instead, use the sections that make the most sense to your business and its needs.

Step 1: Draft your executive summary

Outline briefly what your company is and why it will be a success. Include your mission statement, your product or service and basic information about your location, workforce and leadership team. And if you’re seeking funding, lay out your high-level growth plan and financial information.

Step 2: Write your company description

In this section, you can elaborate on the points laid out in your executive summary. Explain the problems your product or service solves, and list the specific organisations, businesses and consumers your company intends to serve.

Furthermore, lay out the competitive advantages that will help your business prosper. Perhaps you have industry experts on your team or have sourced the perfect location for your store.

There is no need to hold back on your company’s strengths.

Don’t be afraid to mention key risks to the business. Any lender or investor will likely identify them for themselves and will be reassured by the fact that you have identified them and have plans in place to protect the business.

Step 3: Detail your management and organisation structure

Who will be running your business? How will it be structured legally? Will it be a limited company, limited liability partnership, or partnership, or will you work as a sole trader ?

An organisational chart may help illustrate who will be in charge of what, and take the opportunity to describe how their credentials will contribute to your venture’s prosperity. You may even wish to include the CVs of key players.

Step 4: Carry out and explain your market analysis

You’ll need a solid understanding of both your target market and your industry outlook. Competitive research will shed light on trends and themes, as well as what other businesses are doing well, and how you could do it better.

Step 5: Define your marketing and sales strategy

There is no single way to approach your marketing strategy because it should evolve and adapt to your business’s individual needs as they arise. The goal in this section is to lay out how you will attract, and retain, a customer base. You’ll also need to describe how sales will actually happen.

You’ll likely need to refer to this section of your business plan later when you lay out your financial projections, so make sure your marketing and sales strategies are described in thorough detail.

» MORE: How to promote your small business online

Step 6: Describe your service or product line

Describe what you’re selling or what service you’re offering, as well as how it will benefit customers and what its life cycle will look like. If you have plans for intellectual property, such as patent filings or copyright, make sure that you share them. And if you’re conducting research and development for your product or service, explain it in detail.

Step 7: Detail your funding request

If you’re looking for funding as part of your small business plan, you’ll need to outline your requirements, preferably with a five-year projection and your future strategic financial plans, such as selling the business or paying off debt.

You’ll need to specify whether you require equity or debt, the terms you wish to be applied and the length of time your request will cover. Describe what your funds will go towards, such as paying salaries, purchasing materials and equipment or covering bills, until such time as revenue increases.

Step 8: Compile your financial projections

It’s a good idea to supplement your funding request with financial projections in order to convince readers that your business will be stable and successful.

If your business is already established, then include balance sheets, income statements and cash flow statements, preferably from at least the last three years, if not the last five. Be sure to list any other collateral you could secure against when applying for a business loan.

Provide a prospective financial outlook for the next five years, including forecast income statements, capital expenditure budgets and cash flow statements. For the first year, be even more specific, and break it down to quarterly, or even monthly, projections. Explain these clearly, and ensure they match your funding requests.

Your appendix can be filled with supporting documents and any other materials that have been specially requested. Items commonly added to the appendix include:

• product pictures
• credit histories
• letters of reference
• legal documents

This less traditional business plan format has a solely high-level focus. It is quick to write and contains only key elements. For these reasons, you may prefer a lean start-up business plan if you wish to explain or start your business in a short timeframe, or if your business is relatively simple.

It may also be a good format to use if you envisage regular change for your business or your business plan being regularly redefined.

These kinds of business plans are most applicable where you are building a business based on a new concept or product and people can understand that it is impossible to project exactly how it will develop at a more granular level of detail. However, many lenders will not consider such a high- level plan sufficient for the approval of a loan.

A lean start-up business plan is a useful summary of your infrastructure, value proposition, finances and customer base. As with the traditional business plan, it has commonly used elements, but they are not essential; you should mould your plan to your business’s particular needs.

Value proposition

You need to make a concise and compelling statement regarding the unique value that your company will deliver to customers, including the products and services you’ll be offering.will bring to the market.

Key partnerships

Make note of the other companies you’ll work alongside in bringing your business to fruition, be they suppliers, manufacturers, sub-contractors or other strategic partners.

Key activities

List the main ways your business will gain a competitive advantage in the market, from customer relations to revenue streams. highlighting It will highlight such factors as selling direct to consumers or leveraging tech to tap into the sharing economy.

Key resources

List any resource you’ll use to maximum advantage in creating value for your customers. Your key assets may include capital, staff and intellectual property.

Customer segments

Specify your target market and remember: your business won’t be for everyone. Who are your most important customers? Enter into your small business plan with a clear sense of who you will actually serve.

Customer relationships

Lay out how your customer base will interact with your business. Will it be automated, face -to -face or online? How will you grow your customer base and retain customers? Consider the customer experience from start to finish. Explain how you will find customers and retain them.

Cost structure

Will your company focus more on maximising value or reducing cost? Define your strategy, then list the key resources and most significant costs you’ll face.

Marketing and communication channels

How do you intend to talk to and communicate with your customers? How do your competitors communicate with their customers? And what are the most cost-efficient ways to do this? Most businesses make the most of a combination of marketing channels and optimise them over time.

Revenue streams

How will your company make money? What are your customers willing to pay for the value you’ll add? Will it be through direct sales, advertising space or membership fees? If you envisage multiple revenue streams, be sure to list them all.

» MORE: How to create a small business budget

When writing your business plan, it is worth keeping the following tips in mind to ensure you get the most out of the process.

• Have a clear goal: since there are many reasons why you might be writing a business plan, it is best to know exactly what you hope to get out of it before starting, as it will inform how you go about creating your document. For example, your aim may be to get funding or to convince potential hires to join.
• Know your audience: just as there are different reasons why you might write a business plan, there are different audiences who will be reading it. By keeping a target audience in mind from the beginning, you can tailor your plan towards the right people.
• Do your research: this cannot be overstated. The more research you do, the more detailed your plan can be, creating a stronger foundation for your business to launch from.
• Keep things concise and consistent: while it is important to do your research, you don’t want to swamp your reader in unnecessary detail. Make sure your plan is to the point and consistent in tone throughout.
• Check your spelling and grammar: it sounds basic, but poor grammar and spelling may undermine your business plan in the eyes of potential investors and partners. So make sure to give it a thorough read through – you may even want to consider hiring an editor or proofreader to review your plan.

A well-written small business plan can be critical in helping secure funding and bring on new business partners. Remember, investors need to feel confident that they will see returns. Your business plan is the perfect tool to convince people to work with you, so put in the time, research and effort that your business deserves.

Not only will a plan help you be taken more seriously if you’re starting a business with little funding, but it will also help you understand every element of your business, better preparing you for the market.

Image source: Getty Images

About the Authors

Nic Redfern is Finance Director at NerdWallet and an accomplished business and finance strategist with over 26 years' experience. Nic has been instrumental in the growth of several regional and…

Connor is a lead writer and spokesperson for NerdWallet. Previously at Spreadex, his market commentary has been quoted in the likes of the BBC, The Guardian, Evening Standard, Reuters and…

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Example business plans

Put together your business plan with our tips.

Where can I find an example of a business plan?

If you’re preparing to write your first business plan and are looking for some useful resources and advice on what elements to include you have come to the right page.

It is essential to have a realistic, working business plan when you’re starting up a business. We have our own section devoted to business planning where there are lots of articles and links to information on writing business plans . The content can show you how to prepare a high quality plan using a number of easy-to-follow steps but also contains more specialist information to help you really fine tune your document, plus advice on presentation and targeting.

If you are specifically looking for advice as a franchisee, check out our article on the 11 things you need to include in a franchise business plan .

There are a range of other sources you may also want to use. An often overlooked source is your Bank who may well have information, examples and templates of business plans:

• Barclays template and checklist [pdf]
• Lloyds sample plan [downloadable pdf – see section 4]

The Prince’s Trust offers downloadble pdf, MS Word and Excel templates . They also offer personal advice on completing a plan through their Enterprise programme if you are selected to work with them.

Slideshare has lots of business plans uploaded, which you can browse through here . We liked this thorough 26 page example from The Business Plan Team , as well as a template created by former Deloitte Management Consultants here , and a good example of a colourful, visual plan suitable for a trendy food business here .

An interesting interactive free business plan creator is offered by LawDepot . On the website you are stepped through 7 simple steps using a well-designed graphic interface, and at the end you can output the subsequent plan ready to fill in. There are 12 industries to choose from and it has sections for company structure, product, marketing, SWOT, operations and ‘Fine Details’.

Other Web Resources: Business Plan Templates

You can find examples of business plans for different types of businesses at:

• ACCA – the Association of Chartered Certified Accountants have 3 example business plans for three different business sectors: Cafe, Import Business, UK Ltd business seeking finance.
• Bplans – owned and operated by Palo Alto Software Inc., the site has free plans to download and it also has examples for lots of different types of individual or specific market sectors.
• Expert Hub – based in South Africa, this site has 21 example business plans for different categories.
• Start Up Loans – offer a downloadable .docx template.
• Invest Northern Ireland – have a .doc business plan template to download here
• StartUps.com – have four sample plans that you can access from Google Drive (note, this is a USA site so the examples are US-based, although the formats could still work for a UK business).
• Examples.com – 20+ example downloadable .pdf plans for different sectors.

Finally, how about a video on the subject? Quite a few examples on Youtube.

How about this one from Craig Frazier?

Further reading on business plans:

• Advice and the basic tips of writing a business plan
• A check list of what should be in your business plan

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4 Free Business Plan Templates: Where to find them and what you get

While some people argue about whether you need a business plan to be successful, you almost certainly will need one when opening bank accounts and seeking funding. Fortunately there are some good free business plan templates and advice online. Here we will review 4 of the best covering what you get and where to find them.

1)      Gov.uk – The ‘write a business plan’ page of the UK government’s website includes advice and a selection of different business plan templates so you can select which one is best for your business.

2)      The Prince’s Trust – Although The Prince’s Trust specialise in supporting young people their business plan template is available to anyone. At 16 pages it is substantially shorter than the one from Business Link and is less formal in tone. The Prince’s Trust plan also goes into more depth on the logistics of how the company is going to work and the reasons for starting it up.

3)      Microsoft Word – Microsoft have a start-up business template which you can download. When you open it up in word it runs to 28 pages and is full of questions, advice and points to consider. Compared to The Princes Trust and Business Link plans it is a lot more text heavy and takes some reading. It is also a lot more focussed on the financials of the company than the other two plans, concentrating on accounts payable, pricing and other financial planning considerations.

4)      Your Bank – One of the main reasons people do a business plan is because their bank asks them to. If this is your motivation then it makes sense to use a template your bank will like. Our business banking partners HSBC have a business plan tool, Natwest have an online form and Barclay’s offer plenty of advice . Many of the other main UK banks also have templates or advice online. Using the bank’s own forms should mean that you tick all of the boxes and answer all of the questions they are likely to be looking at which can only help make your meeting go more smoothly.

Whichever template you choose it is important that you invest the time to get your plan right before you try to use it. Most of these plans require you to do a considerable amount of research into your target market, customers and competitors. Don’t leave it until the night before your bank meeting to get it done!

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Business planning tips

On this page

Failing to plan is...well, you know the rest

To build a successful business, having a clear mission and specific goals is vital. The best way to do this is to write a thorough business plan setting out exactly how you're going to turn your dreams into reality.

Do's and don'ts when writing a plan

Do be realistic.

While it's important to show ambition, be realistic when projecting your results.

Do check for accuracy

It may be an old cliche, but you only get one chance to make a first impression. Make sure you triple check the accuracy of your content and ask a colleague or mentor to proof read it with a fresh pair of eyes.

Do your research

Make sure all research is up to date and accurate, and that any claims can be substantiated. You need to be aware of the good, the bad and the ugly!

Don't include your CV

Your business plan is about the company you intend to run, not ones you may have run in the past. A link to a completed LinkedIn profile will tell someone all they need to know about you.

Don't say you have no competition

There's always competition, the key is understanding your market and convincing your customers that your product is superior.

Don't start at the start

Start with an executive summary. This should be one page long and is your elevator pitch on paper.

6 steps to writing a business plan

Our in-depth six-step guide can help you put together a robust business plan and set you up for success or expansion.

Introduction

A business plan is a written description of your company, your aspirations and ambitions, and the methods by which you can achieve your goals.

Creating a business plan gives you a clearer understanding of what you need to do to reach your objectives. By producing a detailed business plan containing facts, figures, statistics and a summary of your skills, you will give potential investors all the information they need to buy in to your proposal.

Getting started

Once you've decided to write a business plan, the next step is deciding what needs to be included. And remember, your plan should be flexible.

An executive summary exists to summarise your ambitions and approach in a concise way. This is not always an easy task, but it's a good way to ensure you remain focussed on both the bigger picture and your core ambitions.

Your business summary should

• Describe your business - how you want it to grow, the niche you fill, why you think it can succeed
• Describe the sector it sits in - if the sector is strong, where will you fit? If it's performing poorly how will you buck the trend?

Product summary

It's worth giving your product or service a section of its own. Outline what makes it different from similar offerings and discuss the reasons that you will succeed.

Aims, objectives and audience

You should cover:

• Where do you want your idea to go and how are you going to get there?
• In a year's time what shape will your business be in?
• Will you have secured investment, or hired additional members of staff?
• Will you be able to cope if you fail to hit projected financial targets?

It's vital that all of these factors are assessed prior to launching or expanding a business. Research carried out by the Chartered Management Institute (CMI) has discovered that over half (54%) of all UK businesses that fail within the first three years of operation do so because of poor management.

Get to know your audience

You must have an understanding of your core demographic and how you are going to engage them. The more intelligence potential investors can get from reading the plan, the better.

Operations and organisation

It's good to have a solid concept, strong product and ambitious goals, but to grow a successful company, you will also need a detailed understanding of job roles, company structure and the day-to-day running of your operation.

This section of the plan is often the most detailed. Overlooking just one of the below areas could be extremely harmful when it comes to launching a company or seeking investment.

Areas to cover

• Location - where will you be based and why?
• Suppliers - who are they and what are the contract terms?
• Production - will anything be outsourced?
• Distribution - how will you deliver your product?
• Employees - how many do you need and what will they do?

Financial considerations

All aspects of your business plan are essential in their own right, but it's important to make sure the financial elements are accurate and in order.

Some entrepreneurs make the mistake of believing that because they are determined to succeed, they will be able to fund business growth by reinvesting the business' profits. However this rarely works, suppliers need to be paid prior to the customer getting their hands on the goods, meaning you will need some kind of initial investment or loan to cover supply costs.

• What kind of financing you need
• How much money you require
• Whether you are willing to give away equity in the business in return for funding
• When you will be able to pay back any loan you take out

How much, what for, and from where?

Always consider these three questions when planning your finances, and always be cautious in your answers.

Measuring success and risk

No business is guaranteed to succeed. Investors understand that handing any amount of money over to a startup is a risky decision, but it's important to reassure them. Highlight that you are aware of the risks, have plans in place to avoid pitfalls, and are willing to change course or adopt different methods should you need to.

Types of business risk

• Compliance  - If you fall foul of laws and regulations, your business could fail before it has a chance to properly grow.
• Operational  - Operational risk can come in many forms. It could relate to employee error or a water leak that damages equipment.
• Financial  - Nearly all businesses will get into debt in their opening years, but it is how that debt is managed that is important.
• Reputational  - Building customer confidence in your brand and rewarding them with a quality service is an essential ingredient for all businesses. 

Need a little more help?

You can find additional information and a range of business plan templates and examples on the www.gov.uk website.

Get your business idea off the ground

From the start, you’ll need to think about your approach to running your business and what support you might need to make it happen.

Something else we can help you with?

Support centre, @natwestbusiness.

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Simple Business Plan Templates

By Joe Weller | April 2, 2020

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In this article, we’ve compiled a variety of simple business plan templates, all of which are free to download in PDF, Word, and Excel formats.

On this page, you’ll find a one-page business plan template , a simple business plan for startups , a small-business plan template , a business plan outline , and more. We also include a business plan sample and the main components of a business plan to help get you started.

Simple Business Plan Template

Download Simple Business Plan Template

This simple business plan template lays out each element of a traditional business plan to assist you as you build your own, and it provides space to add financing information for startups seeking funding. You can use and customize this simple business plan template to fit the needs for organizations of any size.

One-Page Business Plan Template

Download One-Page Business Plan Template

Excel | Word | PDF  | Smartsheet

Use this one-page business plan to document your key ideas in an organized manner. The template can help you create a high-level view of your business plan, and it provides easy scannability for stakeholders. You can use this one-page plan as a reference to build a more detailed blueprint for your business. 

For additional single page plans, take a look at " One-Page Business Plan Templates with a Quick How-To Guide ."

Simple Fill-in-the-Blank Business Plan Template

Download Simple Fill-in-the-Blank Business Plan Template

Use this fill-in-the-blank business plan template to guide you as you build your business plan. Each section comes pre-filled with sample content, with space to add customized verbiage relevant to your product or service.

For additional free, downloadable resources, visit " Free Fill-In-the-Blank Business Plan Templates ."

Simple Business Plan for Startup

‌ Download Startup Business Plan Template — Word

This business plan template is designed with a startup business in mind and contains the essential elements needed to convey key product or service details to investors and stakeholders. Keep all your information organized with this template, which provides space to include an executive summary, a company overview, competitive analysis, a marketing strategy, financial data, and more. For additional resources, visit " Free Startup Business Plan Templates and Examples ."

Simple Small-Business Plan Template

Download Simple Small-Business Plan Template

This template walks you through each component of a small-business plan, including the company background, the introduction of the management team, market analysis, product or service offerings, a financial plan, and more. This template also comes with a built-in table of contents to keep your plan in order, and it can be customized to fit your requirements.

Lean Business Plan Template

Download Lean Business Plan Template

This lean business plan template is a stripped-down version of a traditional business plan that provides only the most essential aspects. Briefly outline your company and industry overview, along with the problem you are solving, as well as your unique value proposition, target market, and key performance metrics. There is also room to list out a timeline of key activities.

Simple Business Plan Outline Template

Download Simple Business Plan Outline Template

Word  | PDF

Use this simple business plan outline as a basis to create your own business plan. This template contains 11 sections, including a title page and a table of contents, which details what each section should cover in a traditional business plan. Simplify or expand this outline to create the foundation for a business plan that fits your business needs.

Simple Business Planning Template with Timeline

Download Simple Business Planning Template with Timeline

Excel | Smartsheet

This template doubles as a project plan and timeline to track progress as you develop your business plan. This business planning template enables you to break down your work into phases and provides room to add key tasks and dates for each activity. Easily fill in the cells according to the start and end dates to create a visual timeline, as well as to ensure your plan stays on track.

Simple Business Plan Rubric Template

Download Simple Business Plan Rubric

Excel | Word | PDF | Smartsheet

Once you complete your business plan, use this business plan rubric template to assess and score each component of your plan. This rubric helps you identify elements of your plan that meet or exceed requirements and pinpoint areas where you need to improve or further elaborate. This template is an invaluable tool to ensure your business plan clearly defines your goals, objectives, and plan of action in order to gain buy-in from potential investors, stakeholders, and partners.

Basic Business Plan Sample

Download Basic Business Plan Sample

This business plan sample serves as an example of a basic business plan that contains all the traditional components. The sample provides a model of what a business plan might look like for a fictional food truck business. Reference this sample as you develop your own business plan.

For additional resources to help support your business planning efforts, check out “ Free Strategic Planning Templates .”

Main Components of a Business Plan

The elements you include in your business plan will depend on your product or service offerings, as well as the size and needs of your business. 

Below are the components of a standard business plan and details you should include in each section:

• Company name and contact information
• Website address
• The name of the company or individual viewing the presentation
• Table of Contents
• Company background and purpose
• Mission and vision statement
• Management team introduction
• Core product and service offerings
• Target customers and segments
• Marketing plan
• Competitive analysis
• Unique value proposition
• Financial plan (and requirements, if applicable)
• Business and industry overview
• Historical timeline of your business
• Offerings and the problem they solve
• Current alternatives
• Competitive advantage
• Market size
• Target market segment(s)
• Projected volume and value of sales compared to competitors
• Differentiation from competitors
• Pricing strategy
• Marketing channels
• Promotional plan
• Distribution methods
• Legal structure of your business
• Names of founders, owners, advisors, etc.
• Management team’s roles, relevant experience, and compensation plan
• Staffing requirements and training plans
• Physical location(s) of your business
• Additional physical requirements (e.g., warehouse, specialized equipment, facilities, etc.)
• Production workflow
• Raw materials and sourcing methods
• Projected income statement
• Projected cash flow statement
• Projected balance sheet
• Break-even analysis
• Charts and graphs
• Market research and competitive analysis
• Information about your industry
• Information about your offerings
• Samples of marketing materials
• Other supporting materials

Tips for Creating a Business Plan

It’s easy to feel overwhelmed at the thought of putting together a business plan. Below, you’ll find top tips to help simplify the process as you develop your own plan. 

• Use a business plan template (you can choose from the variety above), or refer to the previous section to create a standard outline for your plan.
• Modify your outline to reflect the requirements of your specific business. If you use a standard business plan outline, remove sections that aren’t relevant to you or aren’t necessary to run your business.
• Gather all the information you currently have about your business first, and then use that information to fill out each section in your plan outline.
• Use your resources and conduct additional research to fill in the remaining gaps. (Note: It isn’t necessary to fill out your plan in order, but the executive summary needs to be completed last, as it summarizes the key points in your plan.)
• Ensure your plan clearly communicates the relationship between your marketing, sales, and financial objectives.
• Provide details in your plan that illustrate your strategic plan of action, looking forward three to five years.
• Revisit your plan regularly as strategies and objectives evolve.
• What product or service are we offering?
• Who is the product or service for?
• What problem does our product or service offering solve?
• How will we get the product or service to our target customers?
• Why is our product or service better than the alternatives?
• How can we outperform our competitors?
• What is our unique value proposition?
• When will things get done, and who is responsible for doing them?
• If you need to obtain funding, how will you use the funding?
• When are payments due, and when do payments come in?
• What is the ultimate purpose of your business?
• When do you expect to be profitable?

To identify which type of business plan you should write, and for more helpful tips, take a look at our guide to writing a simple business plan .

Benefits of Using a Business Plan Template

Creating a business plan can be very time-consuming, especially if you aren’t sure where to begin. Finding the right template for your business needs can be beneficial for a variety of reasons. 

Using a business plan template — instead of creating your plan from scratch — can benefit you in the following ways:

• Enables you to immediately write down your thoughts and ideas in an organized manner
• Provides structure to help outline your plan
• Saves time and valuable resources
• Helps ensure you don’t miss essential details

Limitations of a Business Plan Template

A business plan template can be convenient, but it has its drawbacks — especially if you use a template that doesn’t fit the specific needs of your business.

Below are some limitations of using a business plan template:

• Each business is unique and needs a business plan that reflects that. A template may not fit your needs.
• A template may restrict collaboration with other team members on different aspects of the plan’s development (sales, marketing, and accounting teams).
• Multiple files containing different versions of the plan may be stored in more than one place.
• You still have to manually create charts and graphs to add to the plan to support your strategy.
• Updates to the plan, spreadsheets, and supporting documents have to be made in multiple places (all documents may not update in real time as changes are made).

Improve Your Business Plan with Real-Time Work Management in Smartsheet

Empower your people to go above and beyond with a flexible platform designed to match the needs of your team — and adapt as those needs change. 

The Smartsheet platform makes it easy to plan, capture, manage, and report on work from anywhere, helping your team be more effective and get more done. Report on key metrics and get real-time visibility into work as it happens with roll-up reports, dashboards, and automated workflows built to keep your team connected and informed. 

When teams have clarity into the work getting done, there’s no telling how much more they can accomplish in the same amount of time.  Try Smartsheet for free, today.

Discover why over 90% of Fortune 100 companies trust Smartsheet to get work done.

Home > UK > How Start and Run the Successful Business in the Uk 2024

UK How Start and Run the Successful Business in the Uk 2024

Table of Contents

• Embarking on a business venture in UK amidst escalating energy costs, economic uncertainties, and a challenging cost of living may seem daunting. However, amidst these challenges lies a promising landscape for entrepreneurship.   
• Despite the prevailing economic climate, recent data from Companies House reveals a significant uptick in business registrations. In the first half of 2023 alone, over 436,000 businesses were registered in the UK, reflecting an 8% increase from the previous year.   
• With an average of 101 new businesses being registered every hour, now is still an opportune time to embark on the journey of starting and running a successful business in the UK in 2024. Let us guide you through the process, starting to register company in the UK .  

How to Start a successful business in UK?  

Step 1: come up with a business idea  .

• Every aspiring entrepreneur begins with a vague concept of their goals. The crucial first step is to refine this initial ambition into specific, measurable objectives. At this stage, simply being able to affirmatively answer key questions is paramount:   
• Do you envision a side-gig or a full-time venture?   
• Have you identified the product or service to offer?   
• Will you operate online or in-person?   
• Does the concept align with your skills?   
• Have you pinpointed the industry to target?  

Step 2: Research your idea  

• Once you have honed in on your business idea, the next step is conducting thorough market research. This involves gathering comprehensive data on your target audience, encompassing demographics like age, gender, and socioeconomic status. Utilizing physical or online surveys, key questions to explore include identifying your target customers’ location, current product or service usage, perceived value of your offering, and their willingness to pay.   
• Tetra Consultants offers expert assistance in researching your idea, aiding in the development of a robust understanding of your market landscape.  

Step 3: Create your business plan  

• Once the research phase is complete, Tetra Consultants will assist you in drafting your business plan. While business plans are commonly viewed as tools for attracting investment, they also serve as a roadmap for launching your business.   
• Your business plan should encompass all strategic elements to provide insight into how your business will operate and define success. Additionally, the financial analysis section will outline expected sales revenue based on projected earnings from your products or services.  

Step 4: Choose your business structure  

• Furthermore, Tetra Consultants will guide you in selecting the most appropriate business structure for your enterprise. Before registering your business, it is crucial to determine the optimal company structure that aligns with your goals and preferences.   
• You have the option to operate as a sole trader, a partnership, or a limited company, each with distinct tax implications and liability considerations. Our team will provide tailored advice based on factors such as your growth projections and administrative preferences.   
• Additionally, we will assist you in navigating the associated startup costs and tax incentives, ensuring you make informed decisions that benefit your business in the long run.  

Step 5: Choose a business name and address  

• When establishing your business structure, Tetra Consultants simplifies the process by offering comprehensive guidance tailored to your needs. If you opt to operate as a sole trader, you have the flexibility to use your own name. However, for tax registration and inclusion in the company register, you will require a designated address.   
• Additionally, Tetra Consultants provides name reservation and search services for those who wish to safeguard their trading identity. Alternatively, if forming a limited company, our team assists in appointing directors and a company secretary, determining shares and shareholders, drafting memorandum and articles of association, and facilitating the opening of a dedicated bank account.  
• For those seeking office space, we offer advice on rental options, including co-working spaces, ensuring your business has the necessary infrastructure to thrive.  

Step 6: Comply with pre-requisites  

• Once you have decided on your business structure you will be required to comply with various business requirements which will vary depending on the business structure chosen. A popular option for registering business in UK is limited company which has various statutory requirements which are as follows:  
• At least one director and one shareholder without residency requirements.  
• Directors and shareholders require must also provide three security details, including the first three letters of their mother’s maiden name, the first three letters of their father’s forename, and the first three letters of the town of their birth.  
• There is no minimum capital requirement for a limited company in the UK.  
• A limited company in the UK must have a registered address in the country where it is incorporated. The registered address must be a full postal address and cannot be a PO Box number.  
• A limited company in the UK is not required to have a company secretary.  

Step 7: Register your business with HM Revenue and Customs  

• Moving forward, Tetra Consultants will assist you in registering your UK business with HMRC for tax purposes. Additionally, for limited companies, we will ensure registration with Companies House , ensuring compliance with legal requirements and establishing your business presence effectively through ours offshore company incorporation services .  

Step 8: Check any additional rules for your type of business  

• Tetra Consultants acknowledges that depending on your UK business’s nature, there may be supplementary obligations to fulfill. These could encompass acquiring licenses or permits, such as those for food sales, music playing, or street trading. Additionally, considerations may include obtaining appropriate insurance coverage and adhering to regulations for international trade or data storage. Our services extend to facilitating the acquisition of offshore financial licenses , ensuring comprehensive support for your business’s regulatory needs.  

Step 9: Open a business bank account  

• After registering your business, having a corporate bank account becomes imperative for seamless operations in the UK. Tetra Consultants offers corporate bank account opening services , ensuring your account is established within four weeks of incorporation. This facilitates efficient financial management and transactions, essential for the successful functioning of your business in the UK.  

Conclusion  

• Tetra Consultants provides comprehensive support for navigating the complexities of running a successful business in the UK. From business registration and structuring to financial management and compliance, our tailored services streamline every aspect of your entrepreneurial journey. With expert guidance and assistance at every step, we empower you to make informed decisions and achieve your business goals efficiently. Trust Tetra Consultants to be your partner in realizing and sustaining success in the dynamic UK business landscape.  
• Contact us to know more about how to run a successful business in UK and our experts will revert back in 24 hours.

Tetra Consultants

Tetra Consultants is the consulting firm that works as your advisor and trusted partner in your business expansion. We tell our clients what they need to know, instead of what they want to hear. Most importantly, we are known for being a one-stop solution for our valued clients. Contact us now at [email protected] for a non-obligatory free consultation. Our team of experts will be in touch with you within the next 24 hours.

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Accounting For Cryptocurrency In 2024: An Ultimate Guide

Best Business Opportunities in Indonesia and Types of Business in 2024

3 Types Of Small Business In Japan For Foreigners To Start In 2024

注册马来公司前的几个重要考虑因素

7 Things To Know About Vietnam Industrial Zones in 2023

What is the Cost of MSB License in Canada

Introduction to the types of business entities in Canada

5 Reasons Why You Should Use Estonian Crypto Licenses

8 Things to Know Before You Open a Trading Company in Hong Kong

成立马来公司前的重要考量（签证类型分析）

How To Get a Dubai Cryptocurrency License in Dubai

4 Things To Know Before You Register A Limited Partnership In New Zealand

5 Reasons to Register Llc in Delaware

Best Business Opportunities in Hong Kong and Types of Business in 2024

Guide to the best countries to open offshore bank account.

2024年印度最佳商机和公司结构选择

Opening A Business In Taiwan: Top Advantages

加拿大MSB的合规经理角色分析

6 Things to Know Before Opening a Business in South Korea

Managing Compliance: Staying on Top of Regulations for Your Foreign Company Registration in Qatar

Navigating the Process of Obtaining Serbia Residence Permit: Requirements and Procedure

4 Best Business in Oman to Consider in 2024

5 Ways to Apply for Business License Florida

6 Types of Business Structures in Australia in 2024

How to Add New Shares and Shareholders to a Uk Limited Company

What Is Limited Liablity Partnership Uk and How to Setup?

10 Top Advantages of Setting Up a BVI Company in 2024

7 Accounting and Tax Considerations of a Malta Offshore Company

了解马耳他EMI牌照：金融科技创新门户

公司合规服务 – 遵守卡塔尔外资注册法规.

How To Register Offshore Company In Hong Kong In 6 Easy Steps

3 Best Business to Start in Germany in 2024

The Complete Guide To Business Setup In Bahrain in 2024

Guernsey Company Setup Cost and Timeline in 2024

5 Disadvantages to Know Before You Set up Company in Indonesia

Steps To Change Partnership To Sole Proprietorship Company In Malaysia

在卢森堡注册公司的 6 大优势

注册美国公司并开设银行账户有哪些税收要求及影响

5 Best Business To Start In Singapore 2024

10 Reasons to Setup Company in Malaysia

Ultimate Guide to Company Formation in China in 2024

如何注册毛里求斯投资经纪公司？

Ultimate Guide to Attaining Barbados Offshore Banking License

Step-by-Step Guide to LLC Company Formation in Dubai

如何成功申请英国EMI牌照

4 Things to Know Before You Register Business in Mauritius

A Comprehensive Guide to Registering a Business in the Philippines

Demystifying the Process: A Step-by-Step Guide to Obtaining a Business License in USA

Introduction to 4 types of companies in Brazil

How to Get a Crypto Wallet License in Estonia 2024

Guide on LLC Setup and LLC License Cost in Dubai

How To Get A Crypto License In Estonia 2024

迪拜最佳 7 家业务设立商务顾问 – 推荐

Quick Checklist Before You Open a Company in Malta

4 Things to Know Before You Register Small Business in Georgia

How to setup offshore company: 2024 guide.

如何作为外国人在立陶宛创办业务的终极指南

在加利福尼亚州注册企业的步骤完整清单

How to Obtain a Work Visa in Malaysia for Foreign Entrepreneurs

The Complete Guide on Marshall Islands Company Formation

7 Things To Know About Cayman Special Economic Zone in 2024

合规性解析：在德克萨斯州注册公司

Ultimate guide to attaining VFA license in Malta

7 Things to Know About Forex License Georgia

5 Things To Look Out For When Setting Up A Business In Japan

Business Considerations for Starting and Operating an MSB in Canada

Doing Business In Saudi Arabia 2024: Complete Guide

All You Need To Know About Hong Kong Offshore Company Tax

8 Things About Offshore Company Registration In Dubai You May Not Have Known

Step-by-Step Guide to Company Registration in Poland

Benefits of register a business in alberta in 2024.

How To Setup Freezone Company In Dubai

2024年印尼商机和公司类型分析

Ultimate Guide On How To Set Up A Sole Trader Business In Australia

Exploring the Most Profitable Business in Dubai 2024

How to Get Ecommerce License in Dubai a Step by Step Guide

4 most profitable businesses in brazil for foreigners.

Guide To The 4 Types Of Companies In Canada

Top 3 Requirements To Open A Business Account

3 Important Considerations Before Incorporating Your Company In Malaysia

How does An Australian Financial Services License Work? What You Need To Know

8 Steps on How to Start a Business in Qatar

Ultimate Guide of Starting a Business in Lithuania as a Foreigner

Benefits of Starting an LLC in Delaware 2023

A Guide to Business Registration in Australia Everything You Need to Know

海外银行开户的三大要求

How To Run An Online Business In Netherlands (Netherlands E-Commerce Guide)

Understanding the legal requirements for business registration in Poland

How to Get Business License in Dubai a Step by Step Guide

Ultimate Guide On How To Set Up A Holding Company In Australia

Starting Business in Brazil: What You Need To Know?

Best business opportunities in finland and types of business in 2024.

10 Disadvantages of Setting up a Cayman Islands Company

Common mistakes to avoid when registering your company in seychelles.

Company Setup in Tanzania: 5 Points To Note

Ultimate Guide on Registration of a Limited Liability Company in Latvia

Ultimate Guide to Private Limited Company Registration in India

Top Small Business In Taiwan To Do In 2024

Beginners’ Guide on How to Get Estonia Cryptocurrency License in 2024

Obtaining an SFC License in Hong Kong: Everything You Need to Know

5 Advantages to Know Before You Register a Limited Company in Ireland

13 Popular Businesses for Foreigners to Start up in Japan 2024

9 Pros and Cons to Know Before You Set up Company in China

Best Business Opportunities in China and Types of Business in 2024

Top 5 Requirements To Open A Corporate Bank Account

How To Set Up Investment Holding Company In Singapore?

4 Best Business to Start in Switzerland in 2024

Introduction to the BVI VASP License: An overview of the new BVI VASP regime

5 Top Benefits of Starting a Business in Norway

捷克不同类型企业实体介绍.

8 Benefits of Setting up a Company in Hong Kong

在爱尔兰设立企业的优劣势分析

Beginners’ guide to Canada cryptocurrency regulation in 2024

What Is The Best Country To Set Up An Offshore Company In?

6 Advantages of Doing Business in Luxembourg

3 Things to Know about a Labuan Holding Company

2024年如何注册列支敦士登投资基金

加拿大 MSB 牌照的主要好处及优势

Hong Kong VASP License: Navigating the Evolving Regulatory Landscape for Virtual Assets

Best Business In Taiwan To Do In 2024

4 Things to Know Before You Register a Company in Ireland as a Non-resident

非居民特拉华州公司注册终极指南

Introduction to the 9 Different Germany Legal Entity Types

4 Simple Steps on How to Check Indonesia Company Registration

5 Advantages of Starting Up a Business in Brunei

5 Things To Know Before You Open a Company in Belize

Ultimate Guide on Starting a Business in Norway as a Foreigner

外国人在波兰注册公司需注意的合规法规要求

申请离岸银行牌照的优缺点

Ultimate Guide on Starting a Business in Malta as a Foreigner

4 Reasons to Open Business in Cyprus 2024

特加商务带您了解成功获得加拿大营业执照的步骤

What Is An Offshore Company And Why Should You Consider Registering One?

5 Things To Know About BVI Holding Company

2024年中国大陆最佳商机及公司结构选择.

6 Types Of Companies In Bangladesh You Should Know Before Starting Business

5 Best Businesses To Start in Belize in 2023

Do You Need A License To Trade Cryptocurrency?

What is the process for applying for an Australian financial services license?

5 Things to Know About Opening Offshore Bank Account in Seychelles

Open Offshore Company In Dubai 2024

How to Register Business in Florida in 2024

2024年香港最佳商机及公司类型介绍

How to register an liechtenstein investment fund in 2024.

Best Business Opportunities in Guernsey and Types of Business in 2024

如何在迪拜申请加密货币牌照

6 Steps to Setting up a Company in Cyprus

What Are The Requirements for an Australian Financial Services License?

A Detailed Comparison of the 4 Types of Companies in China

如何起草新加坡支付牌照的企业范围风险评估

Demystifying the Process: A Step-by-Step Guide to Obtaining a Business License China

如何申请加拿大msb牌照？.

Ultimate Guide on Starting a Business in Switzerland as a Foreigner

申请澳大利亚ASIC监管AFS牌照

2024年爱沙尼亚加密货币许可证初学者指南

Guide to Company Setup Kuala Lumpur

在英属哥伦比亚成立公司的优点和缺点.

A Step-by-Step Guide to Obtaining a Money Services Business License in Canada

4 Accounting and Tax Obligations to Know Before You Set up Company in Ireland

Cayman Islands Tax Haven – Good or Bad?

6 Advantages of Setting up a Gibraltar Holding Company

6 Things to Know Before Setting up a Mauritius Investment Fund

申请加拿大MSB的好处及优势

注册开曼经济区公司须了解的7大事项

2024年在迪拜投资哪些行业？

5 Advantages of Registering a Small Business in Canada

设立毛里求斯投资基金的6大须知

Here are 6 Requirements to Register a Business in Ontario

4 Top Challenges of Starting a Business in Cyprus

Bvi vasp 牌照简介：全新bvi vasp制度概述.

3 Key Steps To Setting Up Business In Malaysia

Ultimate Guide on Foreign Company Registration in Mauritius

涉外公认证一站式解决方案

3 Advantages of a Malta Holding Company

迪拜新虚拟资产法：VARA 为企业带来的机遇和挑战

Why Do Companies Register in British Virgin Islands?

8 Things to Know Before Starting a Small Business in Singapore

6 Types Of Business Entities In Malaysia

All you need to know about Delaware money transmitter license

Understanding the emi license in malta: a gateway to fintech innovation.

How To Start A Business In Japan In 8 Easy Steps

How to Acquire an Uk EMI Licence?

Ultimate Guide to Belize Company Formation With Bank Account

Top 7 Best Business Setup Consultants in Dubai

How To Register Business In New Zealand (NZ)

创业理念到商业帝国：纽约独资企业设立指南

如何优化库拉索电子博彩牌照申请预算

新加坡标准支付牌照和大型支付牌照的区别

5 Advantages of Oman Free Zone Company

Key factors to consider: ncc license requirements for broadcasting and media in nigeria.

7 Types of Companies in Finland

Types of Business in South Korea You Can Start in 2023

A Guide to Netherlands Company Incorporation for Foreign Entrepreneurs

Ajman Free Zone Company Registration: Step By Step Guide

拉脱维亚成立业务前有哪些考量？

4 Top Business Ideas to Consider Before You Start a Company in Malta

6 Things to Know Before Starting a Business in Indonesia as a Foreigner

Complete Guide To Resident Directors In Australia

How to set up company as a sole trader in New Zealand (NZ)?

6 Things To Note Before Company Formation in Bahrain

2024年开曼群岛商机分析

Best Business Opportunities in Cambodia and Types of Business in 2024

What Are The Benefits Of An Offshore Bank Account?

Is BVI A Tax Haven: Top 5 Things To Know

The Ultimate Guide on China Entrepreneur Visa

迪拜有限责任公司设立和有限责任公司执照费 – 指南

7 Advantages of a Private Limited Company in Lithuania

Advantages of Register Business in USA in 2024

3 Things to Know Before you Register a Business in UK

Top 3 Countries With The Best Offshore Bank Account For 2024

Introduction to 8 types of business entities in Cambodia

5 Things To Know About Industrial Zone in Thailand in 2023

4 Things to Know About the New Singapore Payment Institution License

Ultimate Guide On Foreign Company Registration In Bangladesh 2024

Types of business in south korea you can start in 2024.

7 Reasons Why Do Companies Set up in Luxembourg

7 best small business to start in Australia in 2023

2024年爱沙尼亚加密货币牌照基础指南

Ultimate guide to hong kong offshore company formation.

4 Most Profitable Business in Indonesia in 2024

2024 年澳大利亚最佳商业机会和公司实体类型

5 Best Business to Start in Georgia in 2024

Guide To Register Company In UK From India

如何申请新加坡MAS牌照

Ultimate Guide on Delaware Company Registration for Non-residents

4 Reasons To Register A New Company In New Zealand (NZ)

How to set up an offshore company in Dubai?

5 Disadvantages of Setting up a Company in Hong Kong

Benefits of Registering a Business in Toronto

How to Setup Limited Company Uk

Latvia’s company formation and what to expect when starting a company.

An Overview of Company Registration Fees in Tanzania & Timeline

成功申请塞浦路斯外汇经纪牌照：具体事项

Introduction To 10 countries Without Income Tax

Setting up llc in cayman islands – 5 things you need to know.

5 benefits of attaining crypto license in Estonia

Why and How to Open Small Business Toronto?

8 Things To Know Before Starting A Small Business In Singapore

6 Labuan Company Benefits You Should Know

巴哈马注册企业快速指南

Guide on setting up a limited company in bc, 5 advantages of an isle of man holding company.

How to Start an Offshore Company for Cryptocurrency Benefits?

2024年孟加拉最佳商机和企业类型

4 advantages of setting up a wyoming limited liability company.

4 Things to Know About a Limited Liability Company in Saudi Arabia

5 Differences Between Branch Office And Subsidiary In Taiwan

6 Things to Take Note of Before Choosing to Setup Business in Canada

5 Disadvantages of Setting Up a Business in Belize

Best Business Opportunities and Types of Business in Australia in 2024

What Is The Cost To Register A Business In Australia?

A Step-by-Step Guide on Starting a Business in Finland

5 Steps to Setting Up a Tanzanian Company

Understanding vietnam company foreign ownership policies: a guide for companies.

Ultimate Guide on Setting up Company in PNG

How To Start A Business In New Zealand As A Foreigner

A comprehensive guide: how to apply for a business license uk.

巴林加密货币监管对数字资产行业的影响

Best Business Opportunities and Steps to Register Business in Ontario

如何在2024年注册澳大利亚有限责任公司

How To Proceed With Business Registration Process in Tanzania

How To Open A Company In Liechtenstein in Online

Ultimate Guide To Private Limited Company Incorporation In Malaysia For Foreigners

3 Things To Know Before You Register Business Name In NZ

4 benefits of registering a company in Australia compared to New Zealand

卡塔尔公司注册分步指南

Pros and Cons of Setting Up a Limited Company in Ireland: A Comprehensive Guide

Ultimate Guide on How to Register Offshore Company in Cyprus

加拿大工作签证申请流程：不同类型和如何选择

Ultimate Guide: How to do New Company Setup in Dubai- 10 Essential Steps for Success

Business License Tanzania: Legal Requirements To Start a Business

Hong Kong Corporate Tax Rate: Understanding Taxation for Businesses

Key advantages of doing business in brazil 2023.

Best Business Opportunities in Latvia and Types of Business in 2024

8 Things To Know Before You Consider Registering A Branch Office In Japan

Iceland company formation for non-residents: what you need to know, understanding the canada work permit process: different categories and options.

4 Reasons Why Delaware Is a Tax Haven

Quick Guide on How to Register a Business in the Bahamas

Setting Structure: Comparing Business Structures in Singapore

在加州设立独资企业的优势

非居民注册美国公司的流程步骤

Ultimate Guide on How to Register Business in Indonesia

Open Free Zone Company in Dubai: Your Comprehensive Guide to Setting Up

Popular Businesses For Foreigners To Start Up In Japan 2024

在冰岛设立公司的8大优势, tips to optimize your budget when applying for a curacao egaming license.

加密货币在加拿大被视为法定货币吗？

Guide to Get Business License Ontario in 2024

Business Opportunities in Ireland and Types of Business in 2024

Best business opportunities in bangladesh and types of business in 2024.

7 Ways You Can Incorporating a Business in Alberta

2024年格鲁吉亚最佳商机和结构推荐

Cost Of Setting Up A Branch Office In Dubai

Key benefits and advantages of obtaining an msb license in canada.

9 Key Differences Between A Limited Company And Public Limited Company In Bangladesh

5 Reasons Why You Should Choose to Set up a Private Limited Company in Cambodia

毛里求斯FSC交易商牌照含金量如何？

4 Reasons Why You Should Proceed With Bangladesh Company Registration In 2024

Unveiling the Downsides of Incorporating in Delaware: What Entrepreneurs Should Know

How to do business registration in Toronto 2024

Compliance and regulations to take note register business in usa.

4 Things To Know If You Plan To Register Company In Australia As A Non-Resident

5 Things to Know Before Setting up a Business in Brazil

Ultimate guide on money service operator license hong kong.

2024 年加密货币会计指南

新加坡商业登记综合指南.

Company Registration In South Korea: 2024 Requirements & Procedures

Ultimate Guide on How to Register a Cryptocurrency Company in Estonia

A Comprehensive Guide to China Company Setup

9 Best Crypto Exchanges In Canada 2024

关于在塞舌尔开设离岸银行账户的5件事

Demystifying the Process: A Step-by-Step Guide to Obtaining a Business License in Canada

5 Steps to Set Up a New Business in Singapore

Company Registration in Japan as Foreigner: Advantages & Disadvantages

Guide to Company Registration in Malaysia for Foreigner in 2024

How To Register Limited Liability Partnership (LLP) In Singapore?

5 Advantages of Starting a Business in Belize

2023年在越南工业区设立公司须知

Dubai New Virtual Asset Law: Opportunities and Challenges for Businesses by VARA

2024年如何在加拿大多伦多设立公司？

4 Things to Prepare Before Setting up a Business in Hong Kong

5 Key Steps for LLC Company Registration in USA: A Comprehensive Guide for Small Business Owners

9 Best Business Opportunities in Cambodia for Foreigners 2023

2024年关于韩国自由贸易区的4要点

4 advantages of starting a business in the bahamas.

Cost To Register Company In New Zealand

3 best countries for offshore banking.

What Are the Types of Business in Bahrain in 2024

Top 6 Countries To Open Offshore Company And Bank Account For 2024

申请库拉索电子博彩牌照时如何优化预算

A Step-by-Step Guide to Obtaining a Business License Australia

6 Things to Know Before You Register Business in Cayman Islands

Bermuda Offshore Company Registration: What you need to know

3 Advantages Of Business Registration In Bangladesh

Ultimate guide to Canada MSB registration: Process and Registration

A guide to applying for a forex license in Belize

2024 年阿联酋企业税 – 可供考虑的替代解决方案

Benefits To Open Offshore Company In Hong Kong

Best business opportunities in cayman islands in 2024.

Accounting Standards in Malaysia: Compliance and Best Practices

6 Disadvantages of Setting up a Company in Gibraltar

4 Accounting and Tax Obligations to Know about Private Limited Company in Hong Kong

Best business opportunities in Brunei and types of business in 2024

A Detailed Comparison Between the 3 Types of Companies in Mauritius

7 Reasons To Setup Company In Canada In 2024

Best business opportunities in georgia and types of business in 2024.

7 Advantages of Setting up Business in Indonesia

Ultimate Guide to Georgia Business Registration

Steps To Incorporate a Company in BVI

Is It Easy Starting a Business in Brazil As a Foreigner?

在佛罗里达州申请营业执照的5种方法.

Understanding the Tax Implications of Registering Your US Company with a Bank Account

Guide to the 5 Types of Companies in Canada

7 Steps for Malta Offshore Company Formation: A Detailed Guide

Starting a Company in Finland? Things To Note

Introduction to 4 Types of Delaware Corporations

A Step-by-Step Guide to Company Registration in Qatar

与新西兰相比，在澳大利亚注册公司的 4 大优势

Starting a Small Business in Thailand for Foreigners in 2024

How to Register a Business in Mauritius: Complete Guide

7 Advantages of Setting up a Company in Oman

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General Election 2024: What are the key Labour and Conservative manifesto policies?

Rishi sunak has called a snap general election for july, article bookmarked.

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After a day of fervent speculation, Rishi Sunak has finally called a snap general election on July 4 .

Mr Sunak confirmed the news in a speech outside No 10. Almost upstaged by the rain – and pranksters loudly playing D:Ream’s ‘Things Can Only Get Better’, closely associated with Tony Blair’s 1997 Labour victory – the prime minister reminisced on his time in office, before making the big announcement.

Before now, the prime minister had resisted calls to go to the polls, despite constant pressure from the Labour Party to do so over the past year.

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However, it is speculated that Mr Sunak had been waiting for an opportune time to make his move. Bolstered by the positive downturn in inflation to 3.2 per cent, it appears his mark has been met.

Taking a swipe at the Labour Party, the prime minister said:

“I don’t know what they offer”, adding “they have no plan, there is no bold action, and as a result the future can only be uncertain”.

Responding to the news, Labour leader Keir Starmer released a video saying “it’s time for change”.

“They have failed. Give the Tories five more years, and things will only get worse,” he said.

While neither party has released an official election manifesto yet, as they will only come after an election is officially called, both have dropped hints and promises over the course of the past few years, which offer a clue for their vision for the country.

Here’s where the UK’s two largest parties stand on some of the key issues:

Economic policies have been a focal point of Mr Sunak’s premiership, making up three of the Conservatives’ five key priorities . They are: reduce inflation, grow the economy, and reduce national debt.

The first of these aims has largely been achieved, with inflation falling since the pledge was made, from 10.1 per cent to 2.3 per cent, although it is still above the Bank of England’s target of 2 per cent.

However, the respected IFS economic think tank has questioned Mr Sunak’s taking credit for the economic good fortune, with director Paul Johnson arguing that it is the Bank of England’s job to cut inflation and that the prime minister’s pledge was always “inappropriate”.

The economy has shown signs of growth since Mr Sunak’s pledges were made, with the economy forecast to have grown 0.5 per cent in 2023, and wages rising steadily. However, debt has risen to 89.9 per cent of GDP, up from 85.1 per cent in late 2023, when the prime minister promised to reduce it.

Labour has been critical of the government’s economic record, with shadow chancellor Rachel Reeves promising to take an approach of ‘securonomics’ as an antidote to the economic turmoil caused by Liz Truss’s catastrophic 2022 ‘mini-budget’.

Outlining Labour’s ‘first steps for change’ in May, Keir Starmer said the party would impose strict rules on themselves.

Mr Starmer also says the party would introduce an ‘Office for Value for Money’ to ensure taxpayers’ money is spent wisely and halve government consultancy spending, instead focussing on long-term staffing.

Finally, the party says it would appoint a ‘Covid Corruption Commissioner’ to recoup billions in taxpayer money wasted on fraudulent Covid contracts, as well as ending what it calls the VIP ‘fast lane’ government contract procurement process.

Both parties have expressed reluctance to raise taxes.

Labour’s Rachel Reeves has confirmed the party would not seek to undo the government’s 2p cut to National Insurance tax if it came to power, looking to other measures to raise funds.

Chief amongst these measures is scrapping the controversial ‘non-dom’ tax status held by some wealthy foreign nationals in the UK, as well as a crackdown on tax avoidance, and introducing VAT and business rates to private schools.

In April Mr Sunak beat Labour to the punch on non-doms by announcing that the tax regime would be phased out over a transitional period. Labour has said they would scrap the transitional measures, saving a further £2.6 billion.

Conservative chancellor Jeremy Hunt has also indicated a desire to cut NICs even further, if he can “afford” to. This is despite a warning from the International Monetary Fund of a potential £30bn hole in the public finances, which the Treasury disputes.

Both Labour and the Conservatives have ruled out increasing income tax (or changing its bands), capital gains tax, or corporation tax.

NHS waiting times have skyrocketed over the past two years, with the number of people waiting for a hospital treatment hitting a record 7.8 million in late 2023, with around a third waiting over 6 months.

The proportion of people waiting over 4 hours in A&E has also increased, reaching a peak of over 50 per cent last Summer, and now at around 45 per cent.

Both parties have pledged to reduce these waiting times.

The Conservatives have pointed to the Covid pandemic as the driving force behind the increases, pledging to work hard to reduce them.

Mr Sunak has said his government will do this by introducing “record” funding, up 35 per cent since the start of the last parliament, as well as record staffing levels.

However, the IFS argues that, in real-terms, the increased spending amounts to no real growth in the NHS budget between 2023/24 and 2024/25.

The prime minister also plans to “reform” the NHS. This includes allowing people to receive prescriptions directly from pharmacies, improving health technology, and giving people the choice to be referred to the private sector.

Labour’s shadow health secretary Wes Streeting has said the party will get the NHS “back on its feet” by delivering 40,000 more evening and weekend appointments a week, funded by their economic policies.

However, Mr Streeting raised some eyebrows in April when he announced his intention to use “spare capacity in the private sector” to work towards Labour’s NHS goals, despite what “middle-class lefties” might think.

The shadow health secretary has since clarified that this does not mean Labour wishes to privatise the NHS in any way, and that he believes the health service should always be free for everyone.

Immigration

Immigration has been a key issue for both parties. The Conservative government has taken a hard stance on the issue, pledging to “stop the boats” and increase measures to deter immigrants and asylum seekers from heading to the UK. Mr Sunak announced last year his goal of reducing net migration from 606,000 in 2022 to 240,000 in 2024.

His 12-point plan includes measures such as capping the number of people claiming asylum in the UK, raising the minimum salary threshold for skilled workers, and cutting visas for care staff and students.

However, Mr Sunak has not yet delivered on his promise to reduce the number of people arriving into the UK via small boats, with a record number of migrants crossing the channel in the first three months of 2024 .

The government’s controversial and long-standing Rwanda bill is also likely to feature prominently in the run up to the general election. Despite approval by parliament in April, it is unlikely a flight will take off under the scheme until late June or July.

Labour’s plan on immigration similarly looks to reduce the UK’s reliance on overseas’ workers. It says it would implement policies that tackle “home-grown skills shortages” to fill key sectors facing employment gaps.

The opposition party says it would take inspiration from Australia’s points-based immigration system, which assesses a migrant workers’ suitability for a visa based on factors such as education, language skills, and work experience.

The Labour party has also pledged to secure the UK’s borders by introducing a Border Security Command, which would use counter-terror style tactics, as well as a Returns Unit to more efficiently removed asylum seekers with failed applications.

Environment

In 2019, the Conservatives under Theresa May committed to a net zero target of 2050. Rishi Sunak has said he remains committed to this goal.

The government’s current policies include a transition to electric vehicles by 2035, meaning no new petrol or diesel cars should be sold after that year, as well as encouraging households to transition from gas boilers to heat pumps.

However, the prime minister was criticised last year for pushing back the transition period for both of these measures, alongside announcing new oil and gas licences.

Labour has laid out its plans for ‘Great British Energy,’ a publicly-owned sustainable energy company, which it says will reduce household energy bills and create half a million jobs.

Shadow environment secretary Ed Milliband says the party would pay for the plan with a windfall tax on excess profits made by oil and gas companies.

Labour has made education a key part of its policy programme in its time as in opposition. Their headline measure is to recruit 6,500 new teachers in key subjects, as well as creating a ‘national excellence programme’ which would see teachers given continuous support with professional development.

The party has also said it will set out to review the national curriculum, giving it wider scope to improve creativity, and digital and communication skills, alongside more mental health support staff in schools.

Meanwhile, the Conservatives have promised a new qualification framework called the ‘Advanced British Standard’ for 16- to 18-year-olds. It will increase the number of A-Levels students study from the typical three to five, and ensure everyone will study “some form” of maths and English to age 18.

The Department for Education has said the rollout will take around a decade, pledging £600 million in the first two years, as well as a £30,000 bonus for for teachers in key shortage subjects, spread out over the first five years of their career.

The government has clashed with teacher’s unions during Mr Sunak’s tenure, seeing a number of teacher strikes organised over the course of 2023.

After accepting a pay offer last year, teachers’ unions are now looking to secure a further pay increase for September 2024. Education secretary Gillian Keegan was due to table a new pay offer soon, but this now looks unlikely and will probably fall to the next government.

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Money blog: Victorian island forts - complete with helipads and nightclubs - up for sale

Two Victorian island forts that were used to defend the Portsmouth dockyards during the Second World War have been listed for auction for £1m each. Read this and the rest of today's consumer news in the Money blog.

Friday 7 June 2024 20:55, UK

• 100,000 reportedly due to remortgage onto higher rates before election - here's what you need to know
• Victorian island forts - complete with nightclub - up for sale
• Does Wetherspoons buy lose to out-of-date beer?
• Rents fall in some big cities
• How much a last-minute Taylor Swift ticket will set you back

Essential reads

• Why you should consider swapping chicken breasts out of your shopping basket
• How brands get you to buy more, more, more
• Ed Conway : Claim of £2k tax rise under Labour is over four years - same maths suggests Tories have raised taxes by £13k in last four years
• How much are student loans, when do you start paying back and what is the interest?
• Best of the Money blog - an archive

Ask a question or make a comment

Ever wanted to own your own Victorian island fort?

Well now you can - with two being listed with a guide price of £1m.

Spitbank Fort in Hampshire and No Man's Land Fort off the Isle of Wight have been listed for auction and can be bought separately - or as a pair if you can't pick between the two.  

During the Second World War, the forts were used to defend the Portsmouth dockyards. 

No Man's Fort is substantially bigger and probably presents itself more as a business opportunity, but Spitbank offers nine large bedroom suites across three floors and could potentially work as a private home to the right buyer. 

No Man's Fort has its own traditional English pub, a nightclub, and a helipad, while Spitbank Fort naturally boasts a wine cave plus a swimming pool and spa complex.

"Throughout my career as an auctioneer I've seen several sea forts hit the market that have achieved impressive prices as buyers have sought to pursue these trophy assets," said Robin Howeson, head of Savills Auctions.

"Having been carefully restored by the current owners, No Man's and Spitbank Fort represent exceptional market value, each guided at £1m. 

"Both offer an opportunity like no other; a waterfront location, up to 99,000sq ft of space and a chance to champion the heritage and legacy of these iconic maritime structures."

The auction takes place on 18 June. 

The BBC's content arm is among the suitors vying to buy the television production company which owns the rights to The Gruffalo.

Sky News has learnt that BBC Studios is participating in a sale process for Magic Light Pictures, which has won three BAFTAs and secured a quartet of Oscar nominations.

The auction is being run by Gotham Street, a specialist media deals boutique.

A number of other bidders are also said to be involved in the process given the quality of Magic Light's content library, which includes a number of works by The Gruffalo's creators, Julia Donaldson and Axel Scheffler.

The Gruffalo has become one of Britain's best-known children's characters, telling the story of an adventurous mouse that fends off a series of would-be predators by telling them about a supposedly imaginary creature called a gruffalo.

In the 2011 sequel, The Gruffalo's Child, the mouse then scares off a young gruffalo by using shadows to project a giant version of itself.

The two films have been distributed internationally by Magic Light, and along with the original Gruffalo books have sparked substantial merchandising revenues as well as a theme park attraction at Chessington World of Adventures.

The woman alleged to be the inspiration for the stalker in hit Netflix series Baby Reindeer is suing the streaming platform for $170m (£133m).

The show is said to be based on the real-life experiences of writer Richard Gadd, who plays himself as he copes with stalker Martha Scott.

Fiona Harvey, 58, claims she is the inspiration for Martha, who begins stalking Gadd after he serves her a free cup of tea in the pub where he works.

In the lawsuit, Ms Harvey has accused Netflix of spreading "brutal lies", including that she is a "twice convicted stalker who was sentenced to five years in prison".

"Defendants told these lies, and never stopped, because it was a better story than the truth, and better stories made money," it states.

"As a result of defendants' lies, malfeasance and utterly reckless misconduct, Harvey's life had been ruined."

Sky News's US partner network NBC News reports the lawsuit described the show's claim "this is a true story" as "the biggest lie in television history".

"Netflix destroyed a woman, claiming, among many allegations, that she was a convicted woman," Richard Roth, a lawyer for Ms Harvey, wrote in an email.

"It never contacted her. It never checked the facts. It never made any effort to understand the truth of its 'true story!'"

The lawsuit seeks actual damages and compensatory damages at $50m (£39m) each, punitive damages at $20m (£16m); as well as "all profits" from Baby Reindeer at $50m (£39m).

A Netflix spokesperson told Sky News: "We intend to defend this matter vigorously and to stand by Richard Gadd's right to tell his story."

Administrators to The Body Shop are aiming to clinch a sale of the stricken cosmetics retailer by the end of the month, even as its former owner veers away from making an offer for it.

Sky News' city editor Mark Kleinman has learnt that FRP Advisory, which was appointed to handle the chain's insolvency in January, has asked for indicative bids by next Tuesday.

British entrepreneur Mike Lynch has been cleared of all charges by a US jury in the high-profile fraud case related to the sale of his software company Autonomy to Hewlett-Packard (HP) in 2011.

Dr Lynch, who was extradited to the US to face trial just over a year ago, was acquitted alongside a former finance executive Stephen Chamberlain who had faced the same charges.

They were accused of conspiracy and attempted fraud over the £8.3bn sale to HP - a deal that has been the subject of costly legal action since.

Labour is promising to get more young people on the housing ladder as it announces its "freedom to buy" scheme on Friday.

The party is pledging to make the existing mortgage guarantee scheme - which sees the government act as a guarantor for people unable to save big deposits - into a permanent fixture if it wins the election on 4 July.

Meanwhile, the Tories are promising a tax cut for parents by raising the threshold for when families have to pay a levy on their child benefit.

The current system means if either parents or a parent's partner earns more than £60,000, they begin paying the high income child benefit tax charge, and lose the benefit altogether when a salary hits £80,000.

But if the Tories win the election on 4 July, they have promised to increase the threshold to £120,000 before any tax is paid, and to £160,000 before the benefit is withdrawn, as well as base it on a household income, rather than an individual.

If you missed out on the general sales but want to bag yourself a last-minute ticket to Taylor Swift's show in Edinburgh tonight , it could set you back a whopping £4,000. 

Not to fear, however, as it is currently possible to land yourself a ticket for as little as £271 - if you settle for a somewhat restricted view. 

We've checked resale giant Viagogo for the latest prices, accurate as of 10.30am. 

As is often the case with popular tours listed on resale sites, many of the tickets are sold individually - so if you're happy to go alone tonight, you're more likely to get a ticket. 

For context, a ticket at general sale cost somewhere between £80-£160 depending on where you sit/stand. 

As it stands, the cheapest seat with an unrestricted view of the stage is currently up for sale at £323.

Just one ticket is up for £271, but has a "restricted view". 

Bringing a crowd

If you're looking to take someone with you, the cheapest pair of tickets without any restricted view will cost you a combined £1,706.

However, if you're happy with a restricted or limited view, you can pay the cheaper price of £538 for the pair (£269 each). 

You can buy up to four tickets in the same area for £303 each (£1,212 together) for a restricted view, or £555 each (£2,220 together) for an unobstructed view of the stage. 

Getting closer to the action 

Standing tickets are much sought after given their proximity to the stage. 

As alluded to at the top of this post, one frankly optimistic reseller has listed four general admission tickets for a staggering £4,256 each (in the "floor" section shown in the map below). 

However, you can get even closer - with one ticket remaining in the separate section to the left of the stage at £651 and another to the right at £559. 

A word of caution

Ticket resale sites, including Viagogo, have previously been accused of "ripping off" consumers amid concerns customers could be turned away at venues because of restrictions on some resold tickets.

The company was told in 2019 that it was required to make a number of changes to the way it collects and presents information about tickets on its site.

It has since pledged to be compliant with UK watchdogs and now offers a "100% order guarantee [which] covers both buyers and sellers".

If you're happy paying over the odds for last-minute tickets, make sure you're buying through a site with such a guarantee and always beware of scams!

House prices in the UK dropped by 0.1% between April and May, data from mortgage lender Halifax shows.

Analysts had expected a drop of around 0.2%, while last week, rival lender Nationwide said its measure of house prices rose in May after falling in the previous two months.

In the 12 months to May, prices rose by 1.5%, Halifax said - faster than the median forecast in a Reuters news agency poll for an annual increase of 1.2%.

"Market activity remained resilient throughout the spring months, supported by strong nominal wage growth and some evidence of an improvement in confidence about the economic outlook," Halifax's head of mortgages, Amanda Bryden, said.

The stable picture for property prices over the last three months was likely to give more confidence to buyers and sellers, she added. 

Sir Keir Starmer will shortly promise to get more young people on the housing ladder as Labour announces its "freedom to buy" policy. 

We've now got some reaction from business leaders, who've been speaking to Newspage.

Justin Moy, managing director at EHF Mortgages, was not impressed. 

"Freedom to buy looks great on the first read, but then you realise it’s actually been in place since 2021 and many lenders don't use it anyway," he said. 

"Labour are effectively promoting something that already exists and isn't used," he added. 

Andrew Montlake, managing director at Coreco, disagreed, saying it marked a "promising" first offering from Labour. 

"This can allow lenders to take a longer-term approach in their offerings and ensure that competitive products are continually available for those with lower deposits. 

"Whilst it doesn't solve the long-term housing issues overnight, Labour have at least shown they understand them and have already shown they are willing to speak and engage with those on the front lines, which is more promising for the housing market as a whole should the next government be a red one."

However, many more had a negative outlook. 

Lewis Shaw, owner of Shaw Financial Services, was scathing in his assessment, saying: "This policy is about as useful as a chocolate teapot. 

"Prior to the pandemic, 95% loan-to-value mortgage lending was the norm. 

"It happened without any political interference or putting the taxpayer on the hook - has everyone forgotten that? 

"If Labour really wants to help young people buy a home, then do the things that we all know are needed: Tax the super-rich, reduce wealth inequality and build more houses. It's not rocket science."

Katy Eatenton, mortgage and protection specialist at Lifetime Wealth Management, said it was "yet another scheme with no real substance", which was echoed by Stephen Perkins, managing director at Yellow Brick Mortgages.

"This policy will not hugely impact the property market," he said. 

Shortly, we're expecting Sir Keir Starmer to promise to get more young people on the housing ladder as Labour announces its "freedom to buy".

He's set to speak in the coming hours. 

The party will pledge to make the existing mortgage guarantee scheme - which sees the government act as a guarantor for people unable to save big deposits - into a permanent fixture if it wins the election on 4 July.

Sir Keir will also commit to an overhaul of the planning system, including reintroducing housing targets, claiming his measures will see 1.5 million more homes built over the next five years.

Among the planning changes, the party will promise to tax foreign buyers "pricing out young people" from the housing market in order to pay for new planning officers, which it claims will help increase projects being signed off.

It will bring back house-build targets - scrapped by the Tories in 2022 - as well as fast-track permissions to build on brownfield sites, and reform compulsory purchase orders to "stop speculators frustrating housebuilding".

They will also promise to offer "first dibs" on new developments to local people looking for a home and reiterate their pledge to create "the next generation" of new towns.

Read more in our dedicated Politics Hub :

GAME are set to end their long-running rewards programme on 31 July and have urged customers to use their remaining credit whilst they still can.

Both the company's standard GAME Reward scheme and their Elite membership tier will cease to exist, while no further reward points will be earned from purchases made in store or online after July 15.

You can currently redeem 400 reward points for £1 off of a purchase. The end of GAME Elite will mean the end of its monthly offers and prize draws. Any outstanding paid Elite membership months will be eligible for a refund.

"We would strongly urge you to redeem your GAME reward points prior to the closure date on purchases in store or online to avoid disappointment," said GAME.

"After the closure date, GAME reward points will be reset to zero and the GAME reward account will be closed, you will no longer be able to access it and you will no longer be able to redeem your GAME reward points."

The end of GAME's reward programme is the latest move from the company to make changes to their business model.

The chain has already closed several of their own bespoke high street stores and instead taken up residence within Sports Direct and other Fraser Group outlets.

By Sarah Taaffe-Maguire , business reporter

We've now had the first interest rate cut in the UK, US and EU for years. 

Yesterday the European Central Bank (ECB) brought down the cost of borrowing in the countries using the euro - the first reduction since 2019.

Sterling stayed roughly where it has been against the euro for the last two weeks - one pound buys more euro than it has done for most of the last year, €1.1740. 

Oil prices have ticked up through the week but are still just below $80 a barrel for Brent crude, the benchmark price. 

That's cheaper than the vast majority of this year and good news for motorists.  

Signs of stabilisation can be seen in the housing market with the news that house prices fell just 0.1% in May, equivalent to a £170 drop in the average house, according to mortgage lender Halifax. 

But renting is still becoming more expensive, just at a slightly slower rate than before, according to property portal Zoopla.

The average rent costs £80 more a month compared with a year earlier.

Higher housing costs have also shown through in a market update from British homebuilder Bellway, which said it expects to sell houses at a higher price point than it previously thought.

The company is a constituent of the Financial Times Stock Exchange (FTSE) 250 index of 101st to 350th most valuable companies on the London Stock Exchange which is down 0.22% this morning. 

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