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Free Spending and Expense Management tools
Expend: Businesses, charities and non-profit organisations are being offered the chance to have access to Expend’s award-winning spending and expense management platform and optional smart payment Mastercards for free until September 2020. 
Sign-up for free
Cash Flow Resources
The ability to understand your cash flow and move money about is vitally important to so many businesses.
 
Accounting organisation Deliotte have published an in-depth report on how to manage cash flow during a crisis which includes considerations such as checking the supply chain is robust and consider changing from fixed to variable costs, where possible.
 
PWC has a comprehensive website full of helpful advice, such as looking at contractual obligations and whether provisions such as force majeure (suspension of a contract due to forces beyond their control) can be utilised.
 
With many businesses refusing to accept cash for infection control reasons, GoCardless, which helps businesses to take DirectDebit payments easily, has this handy guide on how to prepare and manage a cash flow statement.  
PDF: Smooth Accounting Guide for Businesses
Smooth Accounting have compiled this downloadable PDF guide to help businesses find out what you will be entitled to.
This is the information in the PDF is dated 27 March 2020, see their website for the latest revisions. You can also request to join the Smooth Accounting Facebook Group which is sharing more information and support.
Download the Guide
Stock up small and support local businesses
Iwoca: A SMEs lending platform has started a campaign to encourage people to responsibly stock up small on goods from 100's of local businesses.  Visit the #STOCKUPSMALL Directory. Full of great small FMCG brands are still able to ship to you directly at home. Stay in. Shop Small. Win Big.
Stock up small
iwoca: Coronavirus Business Interruption Loan Scheme (CBILS) – a closer look
iwoca take a closer look at CBILS – the government's new scheme to support businesses impacted by coronavirus in the UK.
  • What is the Coronavirus Business Interruption Loan Scheme (CBILS)?
  • Am I eligible for the CBILS?
  • How do I apply?
  • I’m having problems accessing CBILS through my bank, what are the other options?
  • Will I need security to get a CBILS-backed loan?
  • What information is needed to apply for CBILS?
  • What can I use CBILS for?
  • Is iwoca on the CBILS scheme?
Read more
Graeme Tennick PDF: Small Business COVID Help practical next steps and helpful resources for small business
Graeme Tennick Chartered Certified Accountants and Clarity have joined forces to create an actionable guide full of practical next steps and helpful resources for small business owners during the COVID19 crisis.
Download the PDF guide
Market Finance: Covid-19 support hub
Market Finance: Have created a Covid-19 hub where they will be uploading new content around the ever-changing situation around us!
Covid-19 D~Support Hub
Menzies: practical guidance, FAQs and blogs for businesses
Menzies, a leading firm of accountants in the South East of England have created an extensive hub of practical guidance, FAQs and blogs for businesses.
Read more
Esme Loans FAQ's and advice for SMEs
Esme Loans (Nat West): Have created a hub full of frequently asked questions and advice for SMEs Link
Visit their hub
Free Cash Flow Forecasting and Management from CaFE
The good people at CaFE have made their Cash Flow Forecasting application free for the next 12 months for anybody that needs it.
There’s no need for complex inputs or spreadsheets, just plug in your accounting software and CaFE will create your forecast for you.
There’s lots of great free advice on managing cash flow in your business on the CaFE blog too.
Visit CaFE >
Support from the Banks
Many banks are playing their part to help keep Britain going by offering to pause mortgage repayments by three months, extending credit card limits and waving interest and late payment fees. 
They are all experiencing a high level of calls so check out their websites for the latest personal and business advice:
The Bank of England has taken several measures to help support the country financially, including cutting interest rates to 0.1% and offering businesses cash for their corporate debt.
Contactless payments have also been increased to £45 as retailers try to prevent the spread of the virus in that form.
For businesses, there is a Covid-19 Corporate Finance Facility (CCFF) which will:
  • Support corporates who would normally seek market-based finance for their working capital
  • Offer loans of up to £5m to SMEs and the first 12 months of that will be interest-free
  • Business rates have been suspended for all retail, hospitality, leisure and nursery businesses for the next 12 months
  • The government has introduced a Coronavirus Job Retention Scheme whereby those who otherwise lose their job due to the outbreak can be kept on with the government reimbursing 80% of an employees’ wage up to a maximum of £2,500 per month
  • VAT has been deferred until June
*Advice and guidance is evolving as these initiatives mature. We recommend that you always follow the guidance on their official websites.
Cash Flow video guide by Float
Float: The cash flow accounting software company are offering numerous special offers and resources to support businesses via their dedicated page on their website for Coronavirus support

Pento: Coronavirus Furlough Calculator
Pento have launched a Coronavirus Furlough HMRC Claim Calculator to quickly find out how much you can claim from HMRC to cover wages for employees on furlough and has already been used 7,000 times.
Learn more
Bespoke HR Support
Bespoke HR: Have created a number of resources to support SMEs to navigate their HR requirements. Their blog which contains the latest guidance on furlough and they have also created a PDF fact sheet.
Read their blog
Enterprise Nation Hub: Support for your business during Coronavirus
Our friends at Enterprise Nation have a hub of information and events to support businesses as the Coronavirus has taken its hold in the UK and continues to impact small businesses across every sector and in every region. Their hub is designed to keep you updated of government moves, support schemes for small business, and pro-active advice on how to keep trading through the epidemic.
Read more
ICPA Guide: How to claim for wage costs through the Coronavirus Job Retention Scheme
The Coronavirus Job Retention Scheme is a temporary scheme open to all UK employers for at least three months starting from 1 March 2020. We expect the scheme to be up and running by the end of April. It is designed to support employers whose operations have been severely affected by coronavirus (COVID-19)
Read more
KPMG Resource Centre
KPMG has a dedicated resource centre covering a range of topics from Job Retention Scheme, funding and other Government support packages through to a resilience assessment tool covering financial, operational and commercial resilience.  The advice and guidance is constantly being updated.
Learn more
iwoca: Can I furlough my employees using the Coronavirus Job Retention Scheme?
The CJRS is a support package for businesses who can't pay their staff wages due to coronavirus. Here, iwoca unpick the details and answer any questions you might have.
The CJRS is a temporary scheme designed to support UK businesses impacted by coronavirus. It was created to secure people's incomes throughout March, April and May, despite the impact of the outbreak on the economy.
Read more
Find coronavirus financial support for your business (Gov.uk)
Coronavirus (COVID-19) support is available to employers and the self-employed. You may be eligible for loans, tax relief and cash grants, whether your business is open or closed.
Use this business support finder to see what support is available for you and your business.
Find out more and start the process here >
Start now >
Gov.uk Coronavirus (COVID-19): what you need to do
  • How to protect yourself and others
  • Employment and financial support
  • School closures, education, and childcare
  • Businesses and other organisations
  • Healthcare workers and carers
  • Travel
  • How coronavirus is affecting public services
  • How you can help
  • Coronavirus (COVID-19) cases in the UK If you live in Scotland, Wales or Northern Ireland Additional guidance is available Scotland Wales Northern Ireland
Visit Gov.uk
NHS: Advice for everyone - Coronavirus (COVID-19)
Contents
Stay at home to stop coronavirus spreading
Everyone must stay at home to help stop the spread of coronavirus.
You should only leave the house for very limited purposes:
  • shopping for basic necessities, for example food and medicine, which must be as infrequent as possible
  • one form of exercise a day, for example a run, walk, or cycle – alone or with members of your household
  • any medical need, including to donate blood, avoid or escape risk of injury or harm, or to provide care or to help a vulnerable person
  • travelling for work purposes, but only where you cannot work from home
Read the complete advice
Gov.uk Guidance for employers and businesses on coronavirus (COVID-19)
Government Guidance What you need to know
  • businesses and workplaces should encourage their employees to work at home, wherever possible
  • if someone becomes unwell in the workplace with a new, continuous cough or a high temperature, they should be sent home and advised to follow the advice to stay at home
  • employees should be reminded to wash their hands for 20 seconds more frequently and catch coughs and sneezes in tissues
  • frequently clean and disinfect objects and surfaces that are touched regularly, using your standard cleaning products
  • employees will need your support to adhere to the recommendation to stay at home to reduce the spread of coronavirus (COVID-19) to others
  • those who follow advice to stay at home will be eligible for statutory sick pay (
    SSP) from the first day of their absence from work
  • employers should use their discretion concerning the need for medical evidence for certification for employees who are unwell. This will allow GPs to focus on their patients
  • if evidence is required by an employer, those with symptoms of coronavirus can get an isolation note from, and those who live with someone that has symptoms can get a note from the employees from defined should be strongly advised and supported to stay at home and work from there if possible
Updated 26 March 2020 For the latest and most up to date Government information and guidance, please visit the official Government website.
Visit Gov.uk
Gov.uk How to protect yourself and others
It's important to protect yourself as well as others. Protecting yourself and ensuring that you follow these guidelines will help to reduce the risk of spreading or catching COVID-19.
Coronavirus (COVID-19) cases in the UK
NHS
Alternative Operation Covid (Supporter)
Global tracker and self-reporting Link
Health
  • The Royal Pharmacuetical Society’s website is constantly updated with the latest guidance plus its homepage has a very handy guide to symptoms and whether they could be Covid-19 or a seasonal cold/flu.
  • Being asked to stay at home and concerns over the virus itself is something we’re not used to - if you need help with your mental wellbeing, Every Mind Matters, which is the NHS’ mental health website, has some great tips on how to cope.
  • It’s advisable to do at least 150 minutes’ worth of physical activity every week but for those self isolating it’s not as easy to go out for a walk or run. So if you are looking for a gentle work out, the NHS has put together some simple 10 minute exercise videos for you to follow along to. 
  • Prescriptions and other medicines can still be bought through the Boots and Lloyds pharmacy chains. There are restrictions on opening hours and delays on delivery times. Check out their websites for the latest.
  • If you want to find out how other countries are fighting the disease, the World Health Organisation has all the latest information.
For those that care for vulnerable people, Carers UK has this guide on what to do if either of you become ill.
  • It cannot be under-estimated the impact this can have on mental health - if you’re struggling, the Samaritans have these tips and if you need extra support during this time, their phonelines remain open.
Free Spending and Expense Management tools
Expend: Businesses, charities and non-profit organisations are being offered the chance to have access to Expend’s award-winning spending and expense management platform and optional smart payment Mastercards for free until September 2020. 
Sign-up for free
Free Cash Flow Forecasting and Management with CaFE
The good people at CaFE have made their Cash Flow Forecasting application free for the next 12 months for anybody that needs it.
There’s no need for complex inputs or spreadsheets, just plug in your accounting software and CaFE will create your forecast for you.
There’s lots of great free advice on managing cash flow in your business on the CaFE blog too.
Visit CaFE >
Chaser: FREE Cashflow Recovery Initiative
Chaser: Automates invoices chasing. They have launched their free Cashflow Recovery Initiative, where they will conduct invoice chasing on behalf of UK SMEs for free until the COVID-19 situation stabilises.  

Learn More
Startup Marketing support
T/F/D: The global marketing agency are giving all startups affected by COVID-19 the opportunity to have a free consultation with experts. T/F/D provides media relations, event and digital support to a wide range of companies including multi-nationals.
Book a free session
Training support and guidance
Straight A Training are Supporting businesses with training for current and furloughed employees. They're currently offering a free 15 minute training needs consultation. Just get in touch with them via their website.
Book a call
Free Payments Solution for Businesses to manage Social Distancing Payments
SmartTrade App offers point of sale (POS) technology. Enabling merchants to accept payments from customers and run their business using only their smart phones. SmartTrade App’s solution contains proprietary technology, all built from scratch for SME ‘s and sole traders to be able to run their entire payment process within a mobile application. The technology has been reengineered to provide a neat way of processing transactions without needing Chip and Pin.
With the Covid-19 restrictions, businesses face problems having to take face to face payments, or having contact with their customers/clients. By introducing SmartTrade App to SMEs, they are able to run their business safely without any face to face contact but still get paid by using the different payments options their SmartTrade offer.
Get Invoicing Plus plan for free or sign-up for the Teams plan for free for a limited time using the CODE: keepbritaingoing.
Sign up for free
Avrium: Cash Flow and Credit Control Extented Free Trial
Avrium helps businesses manage their commercial and cash flow risks by bringing together automated credit control, credit reporting, invoice financing and debt collection. To help Keep Britain Going they are offering an extra two months free on their free trial by using this exclusive code: AVRBP02
Learn More
3 Months Free access to Accountancy Manager
AccountancyManager (AM) helps accountants run more efficient practices in the cloud and better serve their clients. With the sudden move to remote-working ‘en masse’, this is true now more than ever. AM are offering their practice management software free for three months to new customers. Plus, AM's current customers can add as many new users as they like - these users will also be free for three months. To take advantage of either offer, contact them via their website before April 21st and quote: THREE4FREE.
Sign-up
Cashback Sites & Discount Codes
Cashback for money off your mobile phone bill.
A leading provider of cash back on everyday purchases
Is another leading provider of cash back on everyday purchases
Note: Both TopCashBack and Quidco offer similar services, however it can be worth checking cash back rates on each site before purchases as they often have different rates.
If you're going to buy something, it's worth checking HUKD before you do. This community driven platform is regarded by many as the place to find the best deals.
Fluidly: Free Cash Flow Software
Fluidly combines artificial intelligence and financial modelling, and are currently offering their lite plan for free, giving customers 90 days of cash flow forecasting. Fluidly also offers credit control software.
Futrli: Protect cash flow and insure due invoices with Futrli Flow Pro free for 3 months.
Covid-19 is putting pressure on your business. Futrli will give you Flow Pro free for 3 months to guarantee access to invoice insurance which could protect up to 90% of your cash from due invoices. “Upgrade to Pro” and use the code COVID_BDM at the checkout.
Futrli is on the front line with businesses experiencing pain resulting from the global outbreak of COVID-19. Invoice insurance will protect cash flow, to ensure you can pay your staff, suppliers and yourself.
For invoices not overdue or close to the due date, you can insure up to 90% of the total, guaranteeing your cash for typically between 0.5% and 2% of the invoice value. As well as invoice insurance, every day Futrli Flow scans Xero or Quickbooks for changes across your customers, suppliers, invoices, and bills, predicting hidden things you need to know. It also monitors credit score changes over time alerting you to changes and possible risks to your business.
What is invoice insurance? Visit the link to a blog post on the topic.
Get Futrli Flow Pro today
Float Cash Flow Software Extended Free Trial
Float a leading Cash Flow software solution that integrates with your accounting software is helping businesses by offering new users an extended free trial until the 31st of May.
An extended free trial is also available for accounting & bookkeeping firms
Extended Free Trial
Pento Payroll Software Free for 3 Months
Pento: The UK’s first automated payroll for SMEs is offering its services for free for the first three months. Instead of sending spreadsheets and emails back and forth to your external payroll provider, Pento automatically calculates taxes, makes bank payments and reports to HMRC and pension providers. 
Learn more
Bespoke HR Advice Call
Bespoke HR: Alongside their resources in our Business support section. They are also have an ongoing offer of 15 mins free HR advice from one of their consultants, just fill in their form on their website.
Book your call
Osper: Free Trial Offer
With kids increasing at home using tablets etc to pass the time. Osper provide the tools you need for your children to save and spend wisely. Plus, you can be safe in the knowledge that are not racking up a massive bill on your credit cards. Get you first month free.
Learn More
Hyped Marketing Package
The team behind Hyped Marketing has been working hard to create a marketing package to help see businesses, particularly those in the hospitality and leisure industry, through these challenging times. Hyped’s special marketing package has been designed to help businesses make the best of the current situation and the most out of changing consumer habits — helping businesses to stay at the forefront of customers’ minds.
Learn more
3 Months free Enterprise Nation Membership
During this challenging time for small business owners Enterprise Nation wants to ensure that you have access to advice, so they are offering three months free membership. Please apply coupon code COVID19ENFREE at the checkout.
Sign-up
Offer: Office Fox
Office Fox can help you by running a review of your business agreements and through this they are able to demonstrate the following for you:  
 
  • Remove Unprofitable Products and Services
The products or services with the highest gross profit margin are the most important to your business.
  • Review Current Pricing Structure
Office Fox can review current wholesale costs against what you are being charged for and advise on savings immediately.
  • Reduce your inventory
  • Reduce your overall direct costs
Reducing your overall direct costs will have a significant impact on your gross margin. Office Fox can review direct costs and negotiate better prices or discounts for everything you buy.  
Their partnerships in place allows us to support businesses across the UK with the relevant equipment in the office and to work Agile should any issues arise moving forward given the current state of play.
Learn More
NHS Discounts & Offers
An incredible amount of generosity is being offered to our wonderful people who work for the NHS. A list can be found here and Health Service Discounts also detail what deals are around from big brands including food supermarkets such as Sainsbury's and Asda.
Squaremeal has a list of all the offers restaurants are offering NHS staff (take away only of course)
Ride hailing giant Uber and takeaway firm Deliveroo are offering hundreds of thousands of free trips and meals to NHS staff fighting the coronavirus
Hair products, outdoor toys, flowers, car hire and many other luxury treats are being offered with a special discount at this time - find the list here
Education
With the schools being closed, parents and carers now have the added stress of not only educating the kids but also entertaining them.
These businesses have made that a lot easier:
  • Carol Vorderman: The former Countdown star has waived the fee for themathsfactor.com which matches the curriculum meaning kids can continue their maths education. Aren’t they lucky.
  • Oxford Owl: There’s no need to buy lots of new books to help support your child’s reading progress as Oxford Owl, whose stories are taught in schools, have made all of their books available for a free download. Simply do a quick test to find out what level your child is at and then download away - even better, get the grandparents to download a book too and then they can read the book with your child through Facetime. 
  • Big-ideas.org: Budding scientists and engineers are being encouraged to take part in the Great Exhibition at Home, a seven-week project alongside teachers which will get kids to think about how science and engineering can help protect the planet. 
  • The Body Coach: Kickstart the day (and wear the kids out…) with Joe Wicks’ 30 minute
    and then calm them down with
    .
  • For young kids, there are a few businesses on Instagram which will give you so many fun, simple ideas on how to entertain them: 
  • Play.hoorayhas brilliant activities which support their learning using items you have around the house - the popular Play Prompts are also available to download on their website too.
  • Five Minute Mum has lots of fun activities to keep them entertained too so you get...five minutes’ peace / to do some work.
  • Mommy Poppins has more than 100 indoor activities to do, including virtual concerts to watch, plus easy science experiments.
Esme's tips for habits and routines you could adopt to make working from home fun and productive.
2020 has proven to be a difficult year for small businesses so far, with the impact of COVID-19 changing our daily lives. The government have put measures in place to help slow the spread of the virus, asking people to work from home where possible is one of these.
To help with this transition, we have produced this guide which features some handy tips to help you be productive, get comfortable, and protect your mental health while working from home.
What challenges does working from home bring?
If you normally work in an office, you might not realise straight away that you’re missing some of the comforts that make working life run smoothly. Having lots of desk space, a comfortable chair, stable internet connection and the right machinery to do the task at hand are things we seemingly take for granted in the office - but we might not always have them at home.
Read more blogs on Esme's website here: (https://esmeloans.com/blog/how-to-work-from-home)
Read more
PlayStation Announces the Play At Home Initiative
Sony PlayStation asks the world to Stay safe and pick up Uncharted: The Nathan Drake Collection and Journey for free from April 15 through May 5.
Read more
LDN Life: Operation Covid-19 Launches Website To Visualise Official To Suspected Cases Of Coronavirus
OpCovid has launched a new open-sourced tech4good project to identify all cases of the virus to prevent the spread, save lives and improve public health systems worldwide. 30 March 2020
Read more
FinTechCity: Fintechs Respond
They're giving this spot to Fintechs (anywhere in the world) responding to Covid19 with their own special initiatives. Some are new tools and services created by Fintechs in direct response. Others are existing services being offered for free. They are designed to reach SMEs, the self-employed, medical services, including the NHS, charities, the unhoused and the underserved.
Fintech Responds list
BBC: The companies that need workers
Tens of thousands of people have lost their jobs because of the coronavirus crisis as restaurants, bars, hotels and gyms have been forced to close.
But many companies still in business are urgently seeking more staff to meet orders, help with deliveries and just to keep things moving.
The major supermarkets are searching for 35,000 additional workers, but many other firms supplying essential goods or services are also looking for extra help so they can cope with the increased demand.
26 March 2020
Read more
BBC: Government orders 10,000 ventilators from Dyson
The government has ordered 10,000 ventilators from Dyson to help deal with the coronavirus crisis.
The firm, headed by British inventor Sir James Dyson, said it had designed a new type of ventilator in response to a call on behalf of the NHS.
The order is still subject to the devices passing stringent medical tests but that is expected to happen quickly.
Dyson has had hundreds of engineers working round the clock to design the ventilators from scratch.
26 March 2020
Read more
Accounting Blog: How the cloud can help with COVID-19
This is cloud’s time to shine
We’ve never experienced a period of uncertainty and disruption like the one we’re living through now.
Up and down the country, business owners and their employees, suppliers, clients, customers and professional advisers are adapting to new challenges and restrictions on a daily basis. 
Read the full blog
BBC News: Army veteran Tom Moore, 99, raises over £3m for NHS
"A 99-year-old army veteran who has raised more than £3m to help the NHS in the fight against Covid-19 has vowed to keep going even though he has smashed his original £1,000 target." Captain Tom Moore, we salute you! #walkwithtom
Read more
Tech Crunch: UK Fintech Community Comes Together
It all started with a 
 from 11:FS co-founder Simon Taylor. If the U.K. government could be persuaded to provide financial support to the self-employed during the Coronavirus crisis, as it has already pledged for full-time employees, then Open Banking technology could be used to self-certify lost income, and therefore overcome one of the main hurdles of administering potential compensation. 24 March 2020
Read more
Pento launches Coronavirus Furlough HMRC Claim Calculator 
Pento have also launched a Coronavirus Furlough HMRC Claim Calculator to quickly find out how much you can claim from HMRC to cover wages for employees on furlough.
Pento Calculator
Furlough Fact Sheet download
Download the fact sheet for advice and guidance on Furlough and what it means for SMEs and their employees. Alternatively, visit their blog for their latest information.
Read more
BBC: Goats take over empty streets of seaside town
A herd of goats has taken over a deserted town centre, eating hedges and flowers from gardens.
Usually, the wild herd of about 122 Kashmiri goats venture from the Great Orme into Llandudno during bad weather.
But town councillor Carol Marubbi believes the lack of people around because of coronavirus has drawn them down.
31 March 2020
News: Goats take over empty streets of seaside town
Podcast: Can fintech and bank collaborations help SMEs through coronavirus?
11:FS expert hosts, Sarah Kocianski and Leda Glyptis, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. 30 March 2020 - 57 minutes
Listen to the Podcast
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