Sign up to save your podcasts
Or
Share Profit Cash Growth
Share to email
Share to Facebook
Share to X
Share to email
Share to Facebook
Share to X
Or
Profit Cash Growth
Profit Cash Growth episodes
- Founder’s Relief: Too Good to Be True? Budget Special Explains the Catch #144
We recorded this an hour after the Budget landed cutting through the headlines to what actually affects owners of seven figure businesses: tax on exits, property income, business rates, payroll costs and the much-hyped Founders Relief. If you run a business and want the plain-English version, this is for you.
Key topics covered:
- Business Asset Disposal Relief: the lifetime limit halved from £1 million to £500,000, and what it really costs you
- Why Founders Relief sounds generous but only suits a tiny group of businesses
- Business rates: who gets relief, and why the freeze is not what it sounds like
- Higher income tax rates on property and savings income, and what it means for landlords
- The small print nobody mentioned: mandatory direct debits for VAT and PAYE, payrolling of benefits from April 2027, e-invoicing, and HMRC’s new powers
- The profit extraction consultation and what to watch if you ever plan to buy out a shareholder
⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together!
⭐ Take the Finance Fitness Scorecard https://www.profitcashgrowth.com/finance-fitness-score
⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe
⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book
VALUABLE RESOURCES
Website
LinkedIn
YouTube
Facebook
ABOUT THE HOST:
Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers.
As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business.
Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions.
*The content of this podcast is for entertainment purposes only and does not constitute professional advice.
45 min - Can't Pay Your Tax Bill? These Steps Protect Your Business #143
Struggling to pay a tax bill is far more common than most business owners realise, and the way you handle it can affect your borrowing for years. In this episode Claire explains how HMRC time to pay arrangements work, which tax bill to defer first when you have several due, and what to think about before you pick up the phone. It’s useful for owners of six and seven figure businesses with lumpy or seasonal cash flow.
Key topics covered:
- How an HMRC time to pay arrangement works, and why agreeing it before the due date can avoid penalties
- Why a quarter of VAT-registered businesses were penalised for late payment last year
- Why corporation tax is usually the bill to defer, and PAYE and VAT the ones to protect
- How interest on VAT and PAYE costs more than it looks, because it isn’t tax deductible
- How HMRC debt on your balance sheet can affect bank lending, overdrafts and commercial mortgages
- Why time to pay has tripled since 2020, and why a 12 to 36 month cash flow forecast should come before any decision
⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together!
⭐ Take the Finance Fitness Scorecard https://www.profitcashgrowth.com/finance-fitness-score
⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe
⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book
VALUABLE RESOURCES
Website
LinkedIn
YouTube
Facebook
ABOUT THE HOST:
Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers.
As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business.
Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions.
*The content of this podcast is for entertainment purposes only and does not constitute professional advice.
45 min - Reviewing The UK's Balance Sheet: Would You Invest If it Was A Company? #142
What does it actually mean when someone says a country, or a business, is in trouble? In this episode, Claire and Simon take a headline number, debt to GDP, and test it the way you would test a business: against turnover, against assets, and against what those assets are really worth. It is useful for any business owner who has ever looked at one figure and drawn a big conclusion from it.
Key topics covered:
- Why debt to GDP is really debt compared to turnover, and why nobody values a business that way
- How the four parts of a balance sheet (income, expenses, assets and liabilities) change the picture
- Why the same set of numbers can look solid or alarming depending on the ratio you choose
- Book value versus real value, and why assets recorded at cost rarely show what they are worth
- How buyers and brokers can put wildly different prices on the same business
- What confirmation bias does to the way we read our own numbers
⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together!
⭐ Take the Finance Fitness Scorecard https://www.profitcashgrowth.com/finance-fitness-score
⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe
⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book
VALUABLE RESOURCES
Website
LinkedIn
YouTube
Facebook
ABOUT THE HOST:
Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers.
As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business.
Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions.
*The content of this podcast is for entertainment purposes only and does not constitute professional advice.
41 min - Why All Revenue Isn’t Created Equal: 5 Types Ranked In Order #141
Not all revenue is equal. In this episode, Claire and Simon break business revenue into five types, from project and consultancy fees to repeat customer sales, and look at how each one behaves in a downturn, what it does to your cash flow and what it does to the value of your business. It is useful for any business owner who wants to build something that pays well now and is worth more when they sell.
Key topics covered:
- The five types of revenue a business can have, and why none of them is a silver bullet
- Why specialist project work can be highly profitable and still be the easiest revenue to underprice
- The renewal cliff edge on annual contracts, and why clustered renewal dates can keep owners awake at night
- When a 12-month contract is genuinely justified and when it simply protects the business
- Why one-off and repeat customer revenue depend so heavily on your market and your marketing
- How a buyer thinks about future revenue, and why the best business to run is not always the best business to sell
⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together!
⭐ Take the Finance Fitness Scorecard https://www.profitcashgrowth.com/finance-fitness-score
⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe
⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book
VALUABLE RESOURCES
Website
LinkedIn
YouTube
Facebook
ABOUT THE HOST:
Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers.
As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business.
Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions.
*The content of this podcast is for entertainment purposes only and does not constitute professional advice.
50 min - Should Business Owners Still Invest In Property Right Now #140
If your business is sitting on surplus cash right now, this episode tackles the question every profitable owner eventually faces: property, or back into the business? We dig into the real economics of investing spare cash in commercial versus residential property, why leverage changes the maths entirely, and when the smarter move is actually to reinvest in yourself.
Key Topics Covered:
- Why buying your own trading premises is close to a no-brainer, and why letting out commercial property to others is a different risk entirely
- The case for residential buy-to-let through a limited company, and why quality beats yield
- How leverage turns a flat property market into an 18 to 23% return on capital employed
- Why illiquidity is a feature, not a bug, when it comes to protecting you from your own worst financial decisions
- The real decision most business owners are actually facing: property, or reinvesting surplus cash back into a growing business
- Why building security first, then taking risks in business, worked better than doing it the other way round
⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together!
⭐ Take the Finance Fitness Scorecard https://www.profitcashgrowth.com/finance-fitness-score
⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe
⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book
VALUABLE RESOURCES
Website
LinkedIn
YouTube
Facebook
ABOUT THE HOST:
Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers.
As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business.
Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions.
*The content of this podcast is for entertainment purposes only and does not constitute professional advice.
49 min - How To Survive This Era of Profitless Prosperity #139
Rising sales don't always mean a healthier business, and right now some of the UK's best known brands are proving it. In this episode, Claire and her co-host unpack "profitless prosperity," the point in an economic cycle where revenue keeps climbing but profit quietly falls away, and what it means for business owners watching their own numbers do exactly that.
Key Topics Covered:
- What profitless prosperity means, and why household name UK brands are reporting it right now
- Three traps that drain profit while revenue keeps climbing: the inflation trap, the volume trap, and the fixed cost squeeze
- Historical parallels, from the 1920s agricultural crisis to the 1990s dot com bubble
- Practical ways to protect margin: dynamic pricing, longer supplier contracts, bundling instead of discounting, and fractional outsourcing
- Why cutting price to protect volume can quietly turn you into a busy fool
- What might come next, and how business owners can prepare
⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together!
⭐ Take the Finance Fitness Scorecard https://www.profitcashgrowth.com/finance-fitness-score
⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe
⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book
VALUABLE RESOURCES
Website
LinkedIn
YouTube
Facebook
ABOUT THE HOST:
Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers.
As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business.
Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions.
*The content of this podcast is for entertainment purposes only and does not constitute professional advice.
41 min - Is HMRC’s £100m ‘AI Supercomputer’ Watching You? We Find Out #138
There's a rumour doing the rounds that HMRC has built a £100 million AI supercomputer that's scanning your social media to catch you out. In this episode, we separate the scaremongering from what HMRC's Connect system actually does, and why the real risk for most business owners has nothing to do with AI and everything to do with whether their own numbers add up to each other. If you've ever wondered whether HMRC is watching you, or worried that a genuine mistake could turn into an investigation, this episode will put your mind at ease and show you what actually matters.
Key Topics Covered
- What HMRC's Connect system really does and why it's not the AI conspiracy people think
- The difference between a genuine mistake and tax evasion, and why that distinction matters
- Why your turnover, VAT, and payroll figures all need to tell the same story
- When HMRC can and cannot use social media or bank data to investigate you
- Why a good accountant should already be catching these mismatches before HMRC does
- What to do if you receive an HMRC letter questioning your figures
⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together!
⭐ Take the Finance Fitness Scorecard https://www.profitcashgrowth.com/finance-fitness-score
⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe
⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book
VALUABLE RESOURCES
Website
LinkedIn
YouTube
Facebook
ABOUT THE HOST:
Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers.
As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business.
Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions.
*The content of this podcast is for entertainment purposes only and does not constitute professional advice.
33 min - Why Having Too Many Companies Can Kill Your Cash Flow #137
Having more than one limited company feels like smart planning until it pushes your business into a completely different tax regime. In this episode, we unpack why the £1.5 million corporation tax threshold isn't a single number, it's a number that gets divided across every company you control, and why that catches so many growing businesses off guard. If you've ever set up a company because "that's what everyone does" for property or acquisitions, this one is for you.
Key Topics Covered
- Why the corporation tax "large company" threshold gets split between every company you own
- The real difference between paying tax annually and paying it in quarterly instalments
- How op-co, prop-co, and hold-co structures can bring the threshold down without you realising it
- The associated companies rule and how family shareholdings can unexpectedly count against you
- Practical ways to balance profit across multiple companies to avoid a cash flow cliff edge
- When it makes sense to simplify or consolidate your company structure
⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together!
⭐ Take the Finance Fitness Scorecard https://www.profitcashgrowth.com/finance-fitness-score
⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe
⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book
VALUABLE RESOURCES
Website
LinkedIn
YouTube
Facebook
ABOUT THE HOST:
Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers.
As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business.
Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions.
*The content of this podcast is for entertainment purposes only and does not constitute professional advice.
37 min - Capital Allowances: The Greatest Gift To Asset Based Businesses #136
Claire covers one of the most overlooked tax reliefs for business owners who own their own building: capital allowances on commercial property. Prompted by a listener story about a business that missed out on hundreds of thousands of pounds in claims, this episode breaks down what capital allowances actually are, why most accountants never mention them, and what to do before you sign anything on a commercial property purchase.
Key Topics Covered
- What capital allowances are and why they only apply to business assets, not everyday expenses
- The difference between full expensing, integral features, and structures and buildings allowance, and why the split matters
- Why most high street accountants miss this claim entirely and why that isn't really their fault
- The "shake the building upside down" test for working out what qualifies
- Why timing is everything, and how the opportunity can disappear the moment a property sale completes
- What to do before buying a commercial property to make sure you don't leave money on the table
⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together!
⭐ Take the Finance Fitness Scorecard https://www.profitcashgrowth.com/finance-fitness-score
⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe
⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book
VALUABLE RESOURCES
Website
LinkedIn
YouTube
Facebook
ABOUT THE HOST:
Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers.
As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business.
Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions.
*The content of this podcast is for entertainment purposes only and does not constitute professional advice.
32 min - Battle Off: 5 Things That Helped Us Grow Our Businesses In The Last 25 Years #135
We go head to head in a battle off: the five things that have genuinely moved the needle for our businesses over the last 25 years. No rehearsed answers, no overlap discussed in advance, just two founders picking apart what actually built the business versus what just felt busy. It's a useful exercise for any owner who wants to get clear on what would hurt most if it disappeared tomorrow.
Key Topics Covered
- Why LinkedIn became Claire's number one channel for leads, and the debate over whether it's actually scalable
- How the smartphone and tools like Claude Code turned Simon into someone building internal software with no coding background
- Using AI as a thought partner to challenge decisions and shortcut the learning curve on things like SEO
- Why Xero opening up its API changed what was possible for both businesses, and what that means for any owner relying on one core piece of software
- Podcasting, AirPods, and self-education as an underrated growth lever
- The apprenticeship levy as a way to attract and train talent without competing purely on salary
- What COVID-19 actually taught them about steady growth versus sudden windfalls, and why "predictable" isn't always what it's cracked up to be
⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together!
⭐ Take the Finance Fitness Scorecard https://www.profitcashgrowth.com/finance-fitness-score
⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe
⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book
VALUABLE RESOURCES
Website
LinkedIn
YouTube
Facebook
ABOUT THE HOST:
Claire Hancott through Profit Cash Growth helps 7 & 8 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers.
As a finance director & chartered management accountant, Claire has nearly 20 years’ experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business.
Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn’t working and where your opportunities lie. Claire’s mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions.
*The content of this podcast is for entertainment purposes only and does not constitute professional advice.
46 min
About Profit Cash Growth
From the publisher's feed
This is the podcast for 6 & 7 figure business owners who are looking to grow a financially successful business.
Claire Hancott is a Finance Director, Chartered Accountant and Entrepreneur and…
Claire Hancott is a Finance Director, Chartered Accountant and Entrepreneur and…
every week we explore guidance and frameworks designed to help you increase your profits, improve your cash flow and grow your business.