Insights
Practical articles for agency founders and growing businesses on the commercial questions that matter most.
Browse by topic
4 articles
The Fractional CFO→
What a CFO does, when you need one and what it costs.
2 articles
Cash Flow and Working Capital→
Forecasting, working capital and keeping cash in the bank.
2 articles
Profit and Margins→
Gross, operating and net margin, EBITDA and break-even.
2 articles
Tax and Paying Yourself→
Dividends, salary, corporation tax and director pay.
Profit and Margins · 8 min read
EBITDA explained for UK founders: what it means, how to calculate it, what a good EBITDA margin looks like and why buyers value your business on it.
12 November 2026
Cash Flow and Working Capital · 6 min read
Why agencies can be profitable on paper and still short of cash, the six causes we see most often and practical ways to fix each one.
10 November 2026
The Fractional CFO · 9 min read
What a fractional CFO does, how it differs from your accountant, what it costs in the UK and the signs your business is ready for one.
10 November 2026
Profit and Margins · 7 min read
Profit margin explained: how to calculate gross, operating, net and EBITDA margin, what good looks like for UK agencies and how to improve yours.
10 November 2026
The Fractional CFO · 4 min read
Your accountant and a fractional CFO do very different jobs. See what each one does, where they overlap and how they work best together.
10 November 2026
The Fractional CFO · 7 min read
What a fractional CFO costs in the UK, how retainers and day rates work, how it compares with a full-time hire and how to judge whether it pays for itself.
10 November 2026
The Fractional CFO · 5 min read
Seven signs your business has outgrown its finance function, what a CFO would do about each one and the cheaper options to try first.
10 November 2026
Tax and Paying Yourself · 7 min read
UK dividend tax rates and allowance for 2026/27, what the October 2026 Budget changed for company owners, worked examples and what to plan for next.
10 November 2026
Cash Flow and Working Capital · 9 min read
How to build a cash flow forecast that works: the 13-week method, a free template layout, a worked agency example and the mistakes to avoid.
10 November 2026
Tax and Paying Yourself · 7 min read
The UK rules on when a company can legally pay a dividend: distributable reserves, which accounts count, what happens if you get it wrong and how to check.
10 November 2026
Pricing and Profitability · 8 min read
How agencies and consultancies should price: day rates, retainers, fixed fees and value-based pricing, with the numbers behind each and when to raise rates.
10 November 2026
