Discover how the UK's most entrepreneurial universities, like Cambridge, Oxford, and the UAL, are fostering the next generation of startup founders. The UK’s most entrepreneurial universities 12 min read Beginner's Guide Table of Contents Categories What makes a university great for entrepreneurs? The UK’s best universities for aspiring founders 1. University of the Arts, London 2. London School of Economics and Politics (LSE) 3. Imperial College London 4. University of Oxford 5. University of Cambridge The most popular subjects studied by founders 1. Economics 2. Business administration 3. Management Key takeaways for aspiring founders Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office The UK’s entrepreneurial landscape is forever evolving - driving innovation, economic growth and job opportunities. With one in three UK adults now either running their own business or planning to start one within the next three years, there’s no denying that the UK has developed an entrepreneurial ecosystem. But knowledge and resources need to start somewhere, and many turn to university to develop their skills and open the door to new opportunities. Choosing the right university can unlock entrepreneurial opportunities by cultivating an environment of learning, collaboration and innovation. With over a quarter of students currently running or planning to run a business while at university , it looks like further education can significantly improve your chances of turning your business dream into a reality. Below, we’ll uncover the most entrepreneurial universities in the UK, looking at which institutions provide the right environment, mentorship and support for budding entrepreneurs to thrive. What makes a university great for entrepreneurs? For aspiring entrepreneurs, choosing the right university isn’t just about how it performs in academic league tables. Instead, you’ll be looking for an academic environment that also provides business opportunities and encourages innovation. Here are just some of the key factors that set apart entrepreneurial universities from other institutions. Access to funding: One of the biggest challenges entrepreneurs face is securing the resources needed to launch their business . Choosing a university that offers startup grants or accelerator programmes can supply you with the resources you need to get your business off the ground. Industry connections: The right university can offer invaluable networking opportunities. It’s likely your chosen institution will have strong connections to businesses, investors and industry leaders who can offer mentorship and internship opportunities. Alumni success stories: A university’s reputation is often reflected by the success of its graduates. It’s worth researching the direction graduates’ careers have taken as a strong alumni network can provide invaluable connections. Chances are, successful entrepreneurs may even offer to mentor or invest in the next generation of student-led businesses. Entrepreneurship courses and competitions: Many universities offer traditional business degrees, but the most entrepreneurial institutions offer more innovative opportunities. Look for universities that provide dedicated entrepreneurship modules and work experience options. Some institutions even run startup competitions, giving you the chance to pitch your business idea to investors, with funding as a reward. Student-led startup culture: Research different universities’ student initiatives to gauge their entrepreneurial spirit. For example, you may be looking for a university that supports student-led business societies, co-working spaces and peer-to-peer networking to help you develop your business ideas. The UK’s best universities for aspiring founders To determine the universities with the most business founders, we used the Complete University Guide’s University League table for 2025 and their alumni’s LinkedIn profiles to see how many graduates were listed as company founders. By combining these figures with each institution’s total number of alumni, we were able to rank each university by the percentage of alumni that went on to become business owners, to find the UK’s best universities for budding entrepreneurs. We’ll also uncover the most popular subjects studied by entrepreneurs to help you decide which subject area to pursue. By looking at university rankings and how many graduates became business founders, we’ve curated a list of the best universities that stand out in nurturing the next generation of entrepreneurs. University of the Arts, London Overall founder alumni - 11% With a strong emphasis on creativity, innovation and entrepreneurship in the arts, design, fashion and media industries, it’s no surprise that University of the Arts London leads the way in producing the highest number of business founders among its alumni. During their studies, students are likely to gain exposure to real-world projects, collaborate with major brands in their field and have the opportunity to showcase their work to build their business skills. The university also offers a Creative Enterprise Programme , where students learn and develop their entrepreneurial skills to help build and launch their own startups. London School of Economics and Politics (LSE) Overall founder alumni - 9.11% With 9.11% of LSE’s alumni becoming business founders, it’s a top choice university for budding entrepreneurs. LSE is known for its deep understanding of global markets, economic trends and financial management - all essential skills for startup founders. Offering courses in Entrepreneurial Finance and Business Strategy, students are given the skills and knowledge needed to launch and scale businesses. LSE Generate is the school’s entrepreneurial hub, supporting students and alumni to develop their entrepreneurial skills and build businesses. Generate’s Entrepreneurship Mentoring Programme also connects students with experienced startup founders, CEOs and business mentors. Imperial College London Overall founder alumni - 8.14% With 8.14% of its alumni becoming business founders, Imperial College London stands out as an excellent choice for those looking to develop their entrepreneurial skills and build successful ventures. The university specialises in STEM subjects (Science, Technology, Engineering and Mathematics), which require various key skills such as problem solving, adaptability and creativity, which can help you build a solid foundation for entrepreneurship. The Imperial Enterprise Lab opens the door to funding, mentorship and co-working spaces, to help you develop your startup. LSE also offers various startup competitions such as the WE Innovate Programme and Venture Catalyst Challenge to give you access to early-stage funding and business exposure. University of Oxford Overall founder alumni - 7.72% As one of the oldest and most prestigious universities in the world, it’s not surprising that the University of Oxford made it on our list of top universities for entrepreneurship. Oxford is known to attract top-tier students, faculty and investors, as well as offering partnerships with venture capital firms and government-backed innovation funds. The university’s entrepreneurial hub, EnSpire Oxford, is home to a range of events throughout the academic year, innovation programmes and online resources. The Oxford University Innovation (OUI) also helps students and researchers commercialise ideas and launch businesses. University of Cambridge Overall founder alumni = 7.65% One of the world’s leading universities, The University of Cambridge is another top choice for entrepreneurship due to its world-class research, stellar reputation, strong industry connections and thriving startup opportunities. The university provides endless entrepreneurial opportunities, such as its Accelerate Cambridge scheme - an 11-week programme that includes talks, workshops, weekly coaching, mentoring and pitching for budding business founders. With impressive funding opportunities, mentorship programmes and partnerships with leading startup investors, Cambridge offers a thriving entrepreneurial environment to help you achieve your business goals. The most popular subjects studied by founders While you aren’t required to study a particular subject to achieve entrepreneurial success, there are certain fields that can equip you with the knowledge and skills needed to take the business world by storm. Below, we’ll uncover the top subjects studied by business founders and how these academic fields equip aspiring entrepreneurs with the tools needed for business success. Economics According to our findings, Economics is the most popular degree for budding entrepreneurs, with over 26,000 business founders having graduated with an Economics degree. Considering the course’s subject matter, such as understanding markets, financial systems and consumer behaviour, it’s not surprising that those looking to start their own business would choose to study Economics. It equips entrepreneurs with analytic and problem-solving skills, helping them to identify growth opportunities, assess risks and manage resources - all key skills for business success. Business administration From financial management and strategic planning, to leadership, marketing and entrepreneurial thinking, Business Administration is a popular degree for business owners, with almost 14,000 entrepreneurs having studied it at university. This subject equips entrepreneurs with practical skills in strategic planning, leadership and decision-making, helping them to run and scale a successful business. Management The third most popular subject studied by entrepreneurs is Management, with over 7,000 business owners having Management degrees. Management is a top choice for those looking to start a business, allowing you to broaden your skillset in leadership, strategic planning and organisation efficiency. A degree in Management can help aspiring business owners develop the expertise needed to build and grow a successful enterprise. Key takeaways for aspiring founders It’s clear from our findings that the UK has a thriving university ecosystem that actively encourages and supports entrepreneurship. Universities with extensive research specialisms, funding opportunities and industry networks produce the most successful entrepreneurs. Additionally, strong alumni networks and partnerships with industry leaders further enhance the entrepreneurial experience, offering invaluable support once you’ve graduated. Ultimately, choosing a university that supports your entrepreneurial dreams can significantly improve your chances of building and sustaining a successful business . Ready to kickstart your business journey? Form your company with SUAZ today . Recommended Readings

If you're looking to start an online business in 2025, we've compiled a detailed guide on the steps involved when launching an ecommerce store. Read more. How to Start an Online Business in 2025 12 min read Company Formations, Beginner's Guide Table of Contents Categories Why an online business? What kind of online business should you start? Consulting Freelancing Dropshipping Homemade goods Creating content Conduct Research Find the perfect product or service Register your company Legal considerations Build your website Increase your odds of success How SUAZ can help Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office If you’re looking to start a business online, there’s really no better time to do so. According to Beauhurst’s New Startup Index, a record 900,000 new businesses were incorporated in 2023 - an impressive 12% increase from 2022. So, if you’re looking to step into those entrepreneurial shoes this year and break free from the standard 9-5, there’s no reason to wait. Whether you’re looking to create a side hustle, or pursue your passion full time, understanding how to start an online business is crucial. Starting a business is no walk in the park, with numerous hoops to jump through - but the rewards can be life-changing. In this comprehensive guide, we’ll cover exactly how to start a small online business, from market research to choosing the right business model, so all the boxes are ticked. By following these simple steps, you can take your business idea and transform it into a thriving enterprise. Let’s get started, shall we? Why an online business? There’s no denying that we’re now living in the digital age. So much of our lives are now online, including online banking , online shopping and social media. Choosing to start a business online can unlock customer engagement on a global scale, often at a fraction of the cost. Here are some of the key benefits of choosing to start an online business: Lower startup costs: Online businesses often require less initial investment. You can avoid the cost of renting or buying a physical space, as well as the cost of utilities and hiring in-store employees. Your operational costs are likely to be significantly lower as you won’t need to cover property maintenance either. Increased flexibility: Unlike running a store or other physical enterprise, you can manage your online business from anywhere in the world. This can offer you flexibility when it comes to both location and your working hours. Customer insights: With an online business, you can make the most of various analytics tools to track your customers’ behaviour and preferences. You can use this data to inform your business decisions and personalise your marketing efforts. Marketing opportunities: You can make the most of various digital marketing strategies to get your business name out there. From SEO to email campaigns, you can market your brand digitally, often at a lower cost than traditional, print-based advertising. Customer convenience: Not only does an online business offer you flexibility, it suits the flexibility and convenience of your customers too. Your buyers can shop from their homes or on the go, which can improve their overall customer experience. What kind of online business should you start? If you’re planning to start a business online, one of the first steps in your journey is deciding on your business model. There are several types of online business models to choose from, and one of them is likely to suit your work preferences and lifestyle the best. Before jumping headfirst into starting your company, it’s always a good idea to plan. Make sure you prioritise writing your business plan . Your business plan details your business’ goals and strategy and can keep you on track. If you’re thinking of applying for a business loan , the bank is likely to ask to see your business plan too, so they know you have a strategy in place to pay back the funds you owe. As technology has evolved, so too have the types of online businesses available which we’ll dive into below. Consulting Online consulting is a business model whereby you offer professional advice to clients through your digital platforms. These platforms may include social media, content marketing (such as blog posts or podcasts) or even one-to-one coaching via video calls. If you have specialist knowledge in a particular area, there’s no reason why you can’t share your expertise with others. Consulting is super flexible too - there are consultants in just about every area or niche imaginable from marketing and finance, to marriage and relationships. If you have the drive to help others and a particular passion or background in a certain area, coaching or consultancy may be for you. It should be a fairly straightforward online business to start too. All you need is your existing knowledge and skills, a stable internet connection and a platform to get your name out there. Freelancing Freelancing is a popular online business model, allowing you to offer your service to clients on a project or contract basis. According to 2024 data, 13.6% of the UK aged 16 and over are doing some form of freelance work. Starting a freelance business is a flexible and popular way to take your skills and passions and transform them into a successful enterprise. First, you’ll need to decide on your freelance niche - the area where your skills and strengths lie. What is it you’re passionate about or excel at? From there you can identify any gaps in the market that you could look to fill with your service, and tailor your offering to the needs of your potential clients. Make sure you shout about your services online, by optimising your website for SEO, and connecting with potential clients at events or through online platforms such as LinkedIn. By making the most of your platforms and digital tools, you can build an independent, thriving business in no time. Dropshipping Dropshipping is a flexible business model with very low startup costs. Rather than buying, storing and shipping products yourself, you get a third party to take care of it for you. You’ll create an online storefront for customers to browse products. When a customer makes a purchase, you forward the order and payment to a supplier who then ships the product to the customer. This eliminates the need to invest in a warehouse or keep stock on hand. This means you can devote more time to marketing your business and connecting with your customers. Homemade goods Homemade goods, often described as DIY businesses, are a creative business route for those looking to sell their creations. Homemade goods businesses take little money to get started and can be started as a side hustle, or your primary source of income. There are numerous benefits to starting a DIY business, from becoming your own boss to the freedom to work anywhere. When it comes to getting started, your to-do list should be relatively small. All you need are your startup supplies, a stable internet connection to set up your website and promote your products and some cash to hand to cover initial shipping costs. From jewellery making to woodwork, you can let your creativity run wild as you build your enterprise. Creating content In recent years, content creation has become a popular and competitive field. In fact, there are over 200 million content creators in the world , making it a thriving industry to be a part of. But there is more to content creation than meets the eye - it requires a solid strategy and a commitment to regular posting to get your content seen. There are numerous forms of content you may choose to create for profit, from YouTube videos to social media posts. It’s important to note that like many things in life, content creation requires patience and time. Try as you might, it’s unlikely that you’ll become a household name overnight. But by regularly posting and engaging with your audience, there’s no reason why you don’t have a chance of success waiting for you. Conduct research When you start an online business, it can be all too easy to get ahead of yourself with the excitement of it all and forget to plan ahead. A key element of planning your business is research - in fact, research is vital at every stage of your business journey. Research lays the foundations for your decision making, and can help you to mitigate risks and make the most of any opportunities that come your way. By identifying the needs of your customers and market demands, you can cater your product or service to appeal to your customers’ needs and stand out against your competitors. Research the market you plan to enter and who your competitors are. Identify their strengths and weaknesses so you can differentiate your service or product accordingly. From there, you can get to know your potential customers, determine their needs and preferences and market your product or service to appeal to them. Find the perfect product or service Deciding on the product or service for your business is a major decision that requires consideration of several factors, such as market demand, your background and your career goals. Here are some tips to consider when deciding on the right product or service for your business: Identify your expertise or passion: Bring it back to basics. Consider your interests, skills and values and try to choose a product or service that reflects them. After all, you’ll want to enjoy the work you do and truly care about the product or service you’re selling. Market research: Carry out market research to help you spot opportunities and demand for certain products or services. Is there a demand for a product that isn’t available, that you could introduce? Consider trends, competition and profitability. Your resources: Assess the resources you have available, including your finances, skills and time. Make sure you choose a product or service that fits with your resources, so you can put your plans into action. Do you have the budget to make your business idea happen? Can you rely on your network for support? USPs: Decide on your unique selling proposition (USP) which is what makes your product or service unique and better than your competitors. This will play a pivotal role in your branding and marketing too. Your business model: As mentioned above, once you’ve decided on your product or service, you’ll need to choose the most appropriate business model. From dropshipping to consulting, make sure your business model aligns with your goals and resources. Stake your claim by registering your company Once you’ve fleshed out your online business idea, you’ll need to officially form your company. While the idea of registering your company may sound complicated, once you get your head around the process, it should feel straightforward. You’ll need to form your new business with Companies House, which maintains the register of companies in the UK. You can do this yourself for a £50 incorporation fee, or trust a company formation agent to take care of the registration process for you. With SUAZ, your company formation is completely free. We’ll cover the £50 incorporation fee (no catch!) and you’ll have our advice and support to hand whenever you need it. We’d love nothing more than to help you on your road to success. Take a look at our company formation packages to get started. Consider the legalities There are more legal considerations to be aware of than company formation. Make sure you cover all legal bases when forming your business, and consider any insurance or certifications you’ll need to have. Taking out business insurance can give you the peace of mind that if disaster were to strike, you’ll have a helping hand there to pick up the pieces. If you’re planning to hire employees, you’ll need to take out employers’ liability insurance to protect your business should a member of staff become injured or fall unwell as a result of working for you. While not a legal requirement, you may also choose to take out public liability insurance for financial protection, should a third party claim to have suffered injury or property damage because of your company. Build your website You can think of your website as your digital headquarters, where all your interactions, transactions and operations take place. As an online business, investing time and money into your website is vital. Your business’ website is a valuable marketing tool to showcase not only your products or services, but your company’s mission and message. If you’re looking for a web hosting provider to get your website up and running, why not browse the BSC marketplace? Our partner site, BSC, can connect you with a variety of professional web hosting providers to get you online, at a price that fits your budget. Increase your odds of success The online business market is a highly competitive space to navigate. With an uncountable amount of online stores, content creators and service providers looking to stand out, you’ll need a solid strategy to give you the best chance of success. Here are some tips and tricks to help your business stand out from the crowd, in such a competitive market. Identify your USP to clearly define what sets your business apart from your competitors. Maybe you pride yourself on your excellent customer service, or a unique product that will take the market by storm. Make sure your website is optimised for SEO and user experience (UX). This means ensuring your site is mobile-friendly and has a user-first interface that’s easy to navigate. Prioritise high-quality content that addresses your audience’s needs. From blog posts to podcasts, make sure your content is engaging, promotes your brand and is optimised for SEO. Try to attend industry events, such as conferences or webinars, to build connections and keep up-to-date with industry trends. How SUAZ can help There’s no downplaying it - starting your own business can feel complicated. But it doesn’t need to be. With our company formation service, you’ll have the support you need to approach each stage of your journey with confidence. Form your company with SUAZ today. Recommended Readings

If you're a non-UK citizen looking to start a business in the UK, you may have some questions and considerations as to whether it's possible. Read more here. Starting a Business in the UK as a Foreigner 8 min read Company Formations Table of Contents Categories What should you know before starting a business in the UK? The benefits of starting a business in the UK as a non-UK national Are there any limitations a foreign national must overcome when starting a business in the UK? Does a foreign national need a visa to start a business in the UK? Innovator Founder Visa How do taxes work? How to register a business as a non-UK national Get your business up and running in no time Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office Starting your own business really is an adventure like no other, and there’s no better place to do it than the UK. With its vibrant economy, cultural diversity and booming business scene, the UK is an entrepreneur’s dream. Between 2021 and 2022, over 750,000 startups were formed in the UK - so you’re certainly making the right choice. While starting a business in the UK as a foreigner may sound complicated, it doesn’t need to be. Non-resident company formation is straightforward when you know how. With some patience, hard work and determination, your business will be calling the UK home in no time. We’ve put together a complete guide to non-resident company formation, so the process feels as simple as possible. What should you know before starting a business in the UK? Starting a business in the UK as a foreigner can be life-changing, but it’s important to be prepared. Depending on your nationality, you may need a visa to enter the UK, if you’re from any of these government-listed countries . As long as you have the right to work and live in the UK, you can begin to make your business dream come to life. Before you get started, you’ll need to consider the following: Legal structure: You’ll need to decide the appropriate legal structure for your business. You may choose to operate as a sole trader, which means you’re self-employed. As a sole trader, you’re solely responsible for running your business which includes being responsible for paying income tax and National Insurance. Alternatively, you may prefer to start a limited company. As a limited company, you and your business are treated as two separate entities, meaning the business itself is responsible for its liabilities, known as limited liability protection . Another option is operating as a partnership, which is where several individuals sign a partnership agreement to decide how the business is shared between them. In a partnership, all partners are responsible for the business’ debts and finances. Visa: As mentioned above, make sure you have the right visa and work permits to start a business in the UK. Taxation: Read up on the UK’s tax laws for businesses. Familiarise yourself with how corporation tax works, for example, which is calculated based on your company’s profit each year. The rate of corporation tax as of April 2023 is currently 25%. Employment laws: Looking to hire some employees to help you get your business off the ground? Make sure you understand how the UK’s employment laws work, such as working hours, minimum wage, holiday pay and redundancy. The benefits of starting a business in the UK as a non-UK national If you’re looking to start a business in a globally-connected country with a buzzing business scene, there’s no better choice than the UK. Here are just some of the benefits of starting your own business in the UK: Support when you need it: Starting your own business can feel overwhelming - but you’re certainly not on your own. There are several useful resources available across the web, including the UK Government website which details everything you’ll need to set up your business. Looking to form a limited company ? A company formation agent like SUAZ can take care of the complicated stuff for you, so you’ll be up and running in no time. We’re also there whenever you need us - if you’re worried about anything or need some advice, we’re a phone call away. Thriving economy: With a population of over 67 million, the UK isn’t short of potential customers! In 2022, the British economy’s gross domestic product was 2.23 trillion pounds, making it the fifth-largest global economy . This enables new businesses to thrive, with funding and investment opportunities readily available. There’s even a government-backed Start Up Loan to help you get your business off the ground. Skilled workers: By putting down roots in the UK, you’ll gain access to skilled and specialised workers who will put the work in to make your business a success. Financial hub: London is home to the Bank of England and the London Stock Exchange (LSE), and is the world’s second-largest financial centre . It's known for its thriving business environment and reputation, so if you’re looking to make your mark in the business world, there’s no better place. Are there any limitations a foreign national must overcome when starting a business in the UK? There’s no doubt that setting up your business in the UK will be an adventure. Becoming an entrepreneur can be life-changing, but there are obstacles you may face - particularly if you’re looking to operate in the UK as a foreign national. While you can register a business in the UK regardless of the passport you hold, you will require a physical UK address. This is where your official correspondence and business mail will be sent to. If you’re not planning on renting a physical office in the UK, a virtual office may be the solution you’re looking for. A virtual office provides your business with an official address, without you needing to rent a physical space. This can save you a significant amount of money, help you get your business’ name on the map, and help you establish your professional image. As a limited company, you can choose to use a virtual office address when registering with Companies House - ideal if you don’t have a residential address in the UK. Does a foreign national need a visa to start a business in the UK? While you can start a business in the UK without a visa, you won’t be able to travel to and work under your company name in the UK without one. Having a business in the UK doesn’t give you the right to physically work there - so make sure you look into what visa you may need beforehand. Not sure if you need a visa to start your business? The government’s website has a helpful tool to help you work out whether you’ll need a visa or not . Innovator Founder Visa The Innovator Founder visa, formerly known as Innovator visa, is for those looking to set up and run an innovative business in the UK. This means your business must offer something different from anything else on the market. You’ll need to meet various eligibility requirements outlined on the government’s website. You can apply for the visa online but you’ll need to provide several documents to support your application, so make sure you leave plenty of time to do this. When applying from outside of the UK, as mentioned you’ll need to prove your identity. How you go about this will depend on the passport you have. You’ll either need to use your fingerprints and have your photograph taken at a visa application centre, or use the ‘UK Immigration: ID check’ app to scan your identity document. How do taxes work? Choosing to set up your business in the UK and deciding to live here as well means you'll need to pay taxes. You may need to pay the following, depending on your circumstances: Corporation Tax: Paid by limited companies only, Corporation Tax is calculated as a percentage of your business’ profits or taxable income. It’s self-assessed, so you’ll need to work out how much Corporation Tax you owe and file a tax return with HMRC, along with your payment which is due nine months after the end of the business’ accounting period or year end. Currently, Corporation Tax is 25% as of April 2023. Value Added Tax (VAT): If you’re selling products or services, you may need to charge VAT. Generally speaking, VAT is set at 20% of the price. You can register your business for VAT whenever you like, but you must legally register when your turnover exceeds £85,000. National Insurance: If you’re looking to hire some employees to help you on your way to success, you must pay National Insurance contributions. This is paid directly to HMRC when you pay your staff. As a director of a limited company, you’re treated as an employee and will need to pay National Insurance on your annual income if it’s over £12,570. How to register a business as a non-UK national The company registration process for non-UK residents is no different to those living in the UK. But while you don’t need to live in the UK to register a company there, you are required to have a UK address. Here’s how to register your business as a non-UK national: Address: Make sure you have a physical UK address. This is the address that will be shown on the public register, and all correspondence from Companies House will be sent to this address. If you’re looking to save yourself the cost of renting a physical office space, you could opt for a virtual office address. Here at SUAZ, our virtual office service gives you a business address right in the heart of Manchester to help get your name on the map and give your business image a boost. Decide on a name: You’ll need to choose a company name that is compliant and not already taken - you can check the availability of your business’ name on our homepage. Register with Companies House: To officially form your company, you’ll need to register with Companies House. You can choose to do this yourself for a £50 registration fee, or, to alleviate some stress, you can get us to take care of things for you. Our professional company formation service will register your company with Companies House on your behalf for free, and your company will be formed within a maximum of 48 hours. It really is that simple. Get your business up and running in no time Starting a business can feel both daunting and exciting all at once - especially when you’re a non-UK national. But you don’t need to go through the process alone. If you’re starting a business in the UK as a foreigner, our company formation service could be just what you need to make things that bit easier to manage. We’ll handle the tricky stuff so all that’s left for you to focus on is your new adventure. Apply to form your company today and make your dreams a reality. Recommended Readings

Explore which companies own the most companies, and understand which sectors dominate as the largest owners of businesses. The companies owning the most companies 10 min read Business Trends Table of Contents Categories Which companies own the most companies? Which industries control the business world? The businesses owning the most companies by industry Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office In business terms, a subsidiary is a noun, meaning a company controlled by a holding company. To you and me, that’s one company owning another. It’s very common for large corporations to buy out or merge with other companies either in their space or in a new environment as part of a business plan to grow and dominate. It would be a popular thought that the likes of Google, Apple or Amazon own the most companies given their market value, but you’ll be surprised. Using the OECD-UNSD multinational enterprise data set, which examines the largest 500 multinational enterprises, we’ve conducted a study to determine which own the highest number of other businesses and which sectors they belong to. Which companies own the most companies? When looking at the companies that own the most companies, we found there to be plenty of names you’re likely to know, but also some that may surprise you. Vinci SA, a world leader in concessions and energy services, ranked first, owning close to 4,000 subsidiaries - over 1,000 more than second-ranked HCA Healthcare Inc. Vinci SA operates in more than 120 countries, has over 285,000 employees worldwide and has driven more than $70 billion in revenue. Several familiar brands also appear in the top 10,, including the likes of Lloyds Banking Group PLC, Shell PLC and Volkswagen AG. Which industries control the business world? Taking a closer look at the data, we analysed which industries have the largest share of control over businesses. In total, 65 of the top 500 companies belong to financial services brands. Given the nature of finance and understanding of tax, growth and acquisitions, this is not a surprise. Germany's multinational financial services company Allianz SE leads in the sector, owning more than 1,900 brands. Energy falls second, with 42 of the top 500 companies, with technology falling in third. The businesses owning the most companies by industry Below, we’ve broken the data down further, understanding which companies own the highest number of companies by industry. Sectors we looked at include financial services, banking, automotive, pharmaceuticals, oil and healthcare. Financial services Parent company No. of subsidiaries Allianz SE 1,919 BNP Paribas SA 1,725 Credit Agricole SA 1,557 KKR & Co Inc 1,498 Blackstone Inc 1,446 Banking Parent company No. of subsidiaries Lloyds Banking Group PLC 2,116 HSBC Holdings PLC 833 Bank of Nova Scotia 236 American Express Co 170 Bank of New York Mellon Corp 167 Automotive Parent company No. of subsidiaries Volkswagen AG 1,824 Mercedes-Benz Group AG 425 Tesla Inc 406 Mitsubishi Corp 368 Toyota Motor Corp 351 Pharmaceutical Parent company No. of subsidiaries Merck & Co. Inc 626 Johnson & Johnson 476 IQVIA Holdings Inc 470 Pfizer Inc 408 Dow Inc 354 Oil Parent company No. of subsidiaries Shell PLC 1,840 BP PLC 1,159 Eni SpA 566 Saudi Arabian Oil Co 475 Rio Tinto PLC 439 Healthcare Parent company No. of subsidiaries CVS Health Corp 685 Abbott Laboratories 575 Medtronic PLC 391 Centene Corp 390 Becton Dickinson and Co 342 Finance and energy sectors dominate - but will technology catch up? As shown by our data, it’s not the typical tech giants that have the most control of businesses; it belongs to companies in the financial and energy sectors. Are we to see a shift in the future here? Possibly, given the growth of tech companies in recent years, something we’re sure to keep an eye on. Methodology Using the OECD-UNSD multinational enterprise information platform, we looked into the latest data on the total number of subsidiaries per parent company. We then grouped each company into an industry to determine which are the most common. Recommended Readings

SUAZ provides a virtual mailing address in Manchester. Give your business a prestigious mailing address while keeping your address private. Start free trial now Business Mail Forwarding Services in Manchester A virtual mailing address in the heart of Manchester can help keep all your communications organised as you settle into the business world. From just £9.99 +VAT, our mail-forwarding services keep your mail safe and secure and protect your privacy too. Select a Package Get ready to impress with your Manchester address Our virtual mailing address really offers you the best of both worlds - a prestigious mail address in the UK, all while keeping your home address under wraps. Our mail-forwarding services take care of your important post and forward it directly to you ; either digitally via email, or to an address of your choosing via post. That way, you’ll save yourself the hassle and cost of renting a physical office space and establish your business’ professional image too. Why choose SUAZ for business mail-forwarding services? After all, we’ve been in your shoes. Making your business dreams a reality doesn’t need to feel impossible. SUAZ’s mail-forwarding services can help you tick another thing off your list, so your business will be ready to go in no time. Making your business dreams a reality doesn’t need to feel impossible. SUAZ’s mail-forwarding services can help you tick another thing off your list, so your business will be ready to go in no time. Starting a business always comes with a level of risk, so it’s natural to feel hesitant to commit to mail-forwarding services straight away. That’s why we let you try before you buy, so you can test the waters before committing to a virtual mail address long-term. Our services are competitively priced and allow you to choose from multiple levels of mail-forwarding support, to make sure you only pay for what you need - being an entrepreneur is costly enough as it is! Once you’ve got your virtual mailing address sorted out, you’ll also get access to a Business Support Club (BSC) account. You’ll be able to manage your order, get in contact with us whenever you need to and browse a selection of additional products and services, allowing you to tailor all manner of business support services precisely to your needs - all manageable from one easy-to use platform. Benefits of having a mail-forwarding address Having a virtual address with mail-forwarding can offer several benefits to you and your business: 01 Confidentiality Mail-forwarding services allow you to have all your business communications sent to an email or postal address of your choosing, to keep your home address private. This can help you maintain a good work-life balance and means you’ll avoid any unexpected home visits from clients or customers! 03 Level up your marketing You can use your new registered or director service address on your marketing materials, social media and website, making your new company look highly reputable to potential customers. 02 Free use of our meeting room Our impressive Manchester office has a meeting room that you can book for one time and use when you need a more formal setting for meetings - boosting your professional image with the flexibility you need, while keeping costs down. 04 Support round the clock Starting your own business can feel overwhelming - but it doesn’t need to be. You’ll have our support whenever you need it, to maximise your chances of success. Pay Monthly Pay Annually /month + VAT Basic Package £9.99 For new businesses who want to make a great first impression with a prestigious address. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 2 items of digital mail forwarding of business-related mail per calendar month /month + VAT Professional Package £12.99 For growing businesses who want to take their address to the next level. Upgrade the basic package with enhanced mail forwarding. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 5 items of digital mail and post mail forwarding of business mail per calendar month /month + VAT Premium Package £39.99 Ultimate virtual office solution for businesses who demand the very best. With a regular mailing address, this is the perfect business solution for rapid-growing businesses. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 100 items of digital mail and post mail forwarding of business mail per calendar month /per year + VAT Basic Package £99.99 For new businesses who want to make a great first impression with a prestigious address. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 2 items of digital mail forwarding of business-related mail per calendar month /per year + VAT Professional Package £129.99 For growing businesses who want to take their address to the next level. Upgrade the basic package with enhanced mail forwarding. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 5 items of digital mail and post mail forwarding of business mail per calendar month /per year + VAT Premium Package £399.99 Ultimate virtual office solution for businesses who demand the very best. With a regular mailing address, this is the perfect business solution for rapid-growing businesses. Order Now Registered and director service address that can be used for Companies House, website, social media, and marketing materials Unlimited digital mail forwarding of statutory mail Up to 100 items of digital mail and post mail forwarding of business mail per calendar month Which package is right for you? Which virtual office address package is right for you will ultimately depend on your circumstances and how much support you need to get your business ready to roll. Check it here The 4-step onboarding process Manchester Virtual Office offers a very simple, quick and convenient onboarding framework for our customers who need a virtual office. The good news is — you can do all these online! What our clients say about us 95% of clients would use us again 99% customer satisfaction rate 60% average reduction in costs for new clients within the first year Frequently asked questions Home Page Registered Office Address Start Up A-Z General Company Formation Help After Company Formation Virtual Offices Address Services Business Call Answering Documents Filing SUAZ Homepage FAQs Other Services Filing Confirmation Statement Business Support Club Partnership Director’s Service Address in Manchester Compare Packages Virtual Office Birmingham Virtual Office How can SUAZ offer company formations for free? Companies House have been increasing their prices in recent years with a jump from £12 in 2024 to £100 in 2026. This could be a hurdle for many people starting a business and we want to make it more accessible. We partner with top business providers to provide additional services for new business owners like you, earning us commissions that let us subsidise your company formation at no cost to you. When can your business be up and running? We try our best to get your business up and running as quickly as possible. Submissions sent before midday usually come back to us the same day, but this can’t be guaranteed as delays do happen. We try to get all applications back within 36 hours, but if there are issues with your application such as your company name being flagged for extra checks, this can delay the process. Frequently Asked Questions See all FAQs

Learn how to write effective freelance contracts with our comprehensive guide. Protect your work, negotiate terms, and ensure timely payments. A Guide to Writing Contracts as a Freelancer 12 min read Beginner's Guide Table of Contents Categories Do you need a contract as a freelancer? Key elements of freelance contract Crafting a freelance contract: step-by-step 1. Title and introduction 2. Scope of work 3. Timeline 4. Payment terms 5. Revisions, changes and confidentiality Legal considerations in freelance contracts Can you use a template or should you seek legal advice? Starting a freelance business and need support? We can help Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office Decided you’re ready to wave goodbye to the standard 9-5 and work as a freelancer? Before you get wrapped up in the freedom and excitement of entrepreneurship, you’ll need to consider the legal side of things. As a freelancer, it’s important that you have a contract in place between you and your clients, to clearly outline expectations for both parties. You’ll also be legally protected should something go wrong. We’ve put together this complete guide on how to write a freelance contract so you know exactly what you need to cover. Once you know what to include in a freelance contract, you can fully embrace all that freelance life has to offer. Do you need a contract as a freelancer? There are numerous benefits to working as a freelancer, from having a flexible work schedule to sharing your passion with the world. But those benefits can sometimes be overlooked by the downsides. If you don’t have a contract in place, you could risk not being paid on time, confidentiality being compromised and early termination by clients without notice. So if you’re asking ‘Do I need a contract for freelance work?’, there are certainly many benefits to having one. Here are just some of the reasons why having a contract as a freelancer is so important. Clarifying expectations: A contract between you and your clients clearly outlines the scope of work, deadlines, and deliverables, as well as the responsibilities of both you and the client. This can ensure both parties are on the same page and know what to expect, which can significantly reduce the chances of disagreements or misunderstandings. Payment terms: Contracts can specify payment terms, including your rates, payment schedules and your preferred method of payment. You can also include late payment penalties to encourage clients to pay you on time. Ownership rights: Contracts specify who owns the intellectual property (IP) created while working together. As a freelancer, this is crucial as it clarifies whether the client has full ownership over the work or if you retain certain rights to it, such as permission to use the work in your portfolio. Confidentiality clauses: You may choose for your contract to include confidentiality clauses to protect any sensitive information shared. This may be important if you’re working with clients who work on trade secrets or proprietary data projects. Approval process: Contracts can include details of specific provisions, to address potential conflicts that could crop up, including how revisions and approval processes will work. By outlining these processes, you can avoid unexpected or last-minute demands and have grounds to push back where necessary. Key elements of freelance contract A freelance contract is essential for setting clear expectations and protecting both you as the freelancer and your client. Here are just some of the key elements that should be included in a freelance contract: Parties involved: You’ll need the names and contact information of both you (the freelancer) and the client, including addresses and phone numbers. Scope of work: Make sure you include a clear, detailed description of the work you’re providing. This section should detail specific tasks you’ll be working on, as well as key milestones and deliverables. You can also outline the project timeline, including start and finish dates. Payment terms: Detail specific payment terms, including your rates. Make it clear what you’re charging the client, whether it’s an hourly rate, flat fee or per-project cost. Next, define the payment schedule you expect, including the due dates of any payments and if an initial deposit is required before work commences. Revisions: Clarify the number of revisions you’re willing to make to the work you produce, and if you charge extra for amendments. Should the scope of work need changing, outline the process for handling these changes and how this will be billed. Intellectual property rights: As mentioned above, the contract will need to detail who owns the intellectual property rights to the work produced. For example, both you and the client may have shared ownership, or one of you may have full rights. If you, the freelancer, retain ownership of the work produced, make sure the contract details the terms under which the client can use the work, such as on their website. Confidentiality: Make sure you include a clause to protect any confidential information shared between yourself and the client. If you see it necessary, you may choose to include a separate non-disclosure agreement (NDA) to ensure any sensitive information remains confidential. Liability: You may choose to include a limitation of liability clause in the contract, which limits what you can be held responsible for, should a client take legal action against you due to events like damages, losses or injuries. This can protect you from being held liable for significant amounts of money, for example. Dispute resolution: Include details of how any disputes will be resolved, such as mediation or arbitration, before resorting to legal action. You may also choose to include details of the jurisdiction and legal venue where legal disputes will be resolved if necessary. Termination conditions: Outline the terms under which either party can terminate the agreement and the notice period required for termination, as well as any fees or penalties that may arise with early termination. Crafting a freelance contract: step-by-step If you’re looking for tips on how to write a contract for freelance work, we’ve got you covered. Here’s how to write a freelance contract step-by-step, so you have everything you need to get started. 1. Title and introduction First things first, you’ll need to begin your contract with a clear and descriptive title, such as ‘Freelance Services Agreement’. Next, you’ll need to put together an introduction that outlines the purpose of the document and identifies the parties involved in the agreement. For example, you may write something along the lines of ‘This Freelance Services Agreement is made between [your name] and [client’s name], as of [date].’ 2. Scope of work The scope of work (SOW) section of a freelance contract sets clear expectations for both you and the client. You’ll need to detail the tasks, deliverables, timelines and responsibilities of the project, to prevent misunderstandings and ensure expectations are clear and understood. First, you should write a brief description of the project, as well as its objectives. What is the client looking to achieve? Explain how the work you’re producing will help them reach their goals. From there, you can go into more detail about the tasks you’ll be responsible for, such as ‘Write 20 blog posts of 1,000 words each.’ Make sure you also include the responsibilities of the client for you to carry out the work effectively. Perhaps you’ve agreed to weekly check-in calls, or for work to be reviewed within a week, for example. Finally, make sure you clearly outline what will be delivered at the end of the project, and on what date. Make sure you clearly explain how the work will be delivered, so the client knows what to expect and when. 3. Timeline Summarise the start and end dates of the project and the estimated completion date. Include any key milestones or deadlines both parties should be aware of and if these are negotiable. 4. Payment terms Make sure you clearly outline your payment rate, whether you charge an hourly rate, a flat fee, or per project. For example, you may choose to charge £30 an hour, or £100 per blog post. You’ll then need to write up your anticipated payment schedule, including due dates of invoices and acceptable payment methods. Should a client fail to pay you on time, you may choose to charge a late fee or penalty for delayed payments. If this is the case, make sure this is clearly explained in the contract too. 5. Revisions, changes and confidentiality You may also choose to include other elements in your freelance contract, including: Change requests: How will you handle change requests? You may choose to limit the number of amends you’re willing to action or ask that change requests be submitted within a certain time frame. Confidentiality clauses: Confidentiality clauses ensure that sensitive information shared when working together is protected. Make sure you define what constitutes confidential information, as well as any exclusions. NDAs: You may choose to include a non-disclosure agreement in your contract, or as its own standalone document. This lets clients know you won’t share their confidential information or trade secrets with others. Legal considerations in freelance contracts It’s vital that you get your head around the legal considerations in freelance contracts. You’ll need to ensure your contracts comply with local laws, for example, you’ll need to consider specific laws such as the Unfair Contract Terms Act 1977, which regulates contracts by restricting the operation and legality of certain contract terms. Another key legal concern to be aware of is the issue of intellectual property (IP) rights, as mentioned earlier. Employers generally have implied rights to freely use the material you create as a freelancer, but it’s vital this is clarified in your contract to avoid any issues. Can you use a template or should you seek legal advice? Whether you use a freelance contract template in the UK is completely up to you, but there are pros and cons to consider. Templates are often free and easily accessible to freelancers looking for a quick solution. Having a ready-made template can save you time, especially if you’re new to the freelancing world and want to get stuck in as soon as possible. They tend to cover standard clauses such as confidentiality, termination and payment terms. But there are some disadvantages to keep in mind - while templates can save you time and money, they may not include the specific needs of your industry and may miss out local laws or regulations you need to include. With this in mind, you may benefit from legal advice if the project you’re working on is complex or has significant intellectual property implications. Having an expert at hand can ensure the contract includes everything you need it to, to avoid potential loopholes. Starting a freelance business and need support? We can help Starting a freelance business could be life-changing, with financial and creative freedom at your fingertips. But getting started can feel complicated. Why not let us help take care of things? Our company formation service can handle the tricky stuff, with advice and support every step of the way. What are you waiting for? Apply to form your freelance business today . Recommended Readings

Start up A-Z (SUAZ) is a free company formation agent allowing everyday people to form a company for free. Sign up today and browse our services here. About Start Up A-Z We’re not just another company formation agent. We’re a startup agency. We’re not about helping those big established businesses setting up their 100th company. We deal with new business owners who need a hand. We’re here from A-Z, from the moment you submit your company registration to when you finally land that first sale. To us that means taking you to your first sale, proving your idea and giving you the tools and knowledge to succeed in the long run. Free company formation service Ongoing support and resources Simple and easy process Our mission is to give you the best chance of success. After all, we’ve been in your shoes. We don’t just form your company; we offer you ongoing support, guidance, feedback, business planning structures and techniques that will allow your company to grow in the long term. We directly measure our success by using the only metric that matters: your success. Some businesses will fail, that’s the nature of taking a risk. But by following the SUAZ method , you’ll be better placed than anyone who forms a company today not using us. Most company formation agents consider their job done when your company is registered.

 It’s not a one size fits all approach, and we don’t expect to help you with everything. But we’re here for everything if you need us. We’re there every step of the way on the road to your first sale. Your journey will probably look something like this… The Start Up A-Z Method SUAZ’s founder, Joe, has been in your shoes. He started his first business at 18 selling smart watches online (before the Apple Watch even existed!). He thought he’d followed all the right steps. He got a loan of £6,000, and registered his business but went on to make a number of mistakes. Joe had a great idea and chased his dream, but didn’t ask the right questions or seek the support he needed. Joe wants other to learn from his mistakes and have the best chances of success. He now advises start-ups on what to do when starting their business. His advice, built on his own experience is... Seek help and don’t try to do everything yourself. Keep costs down until you have proved your concept. You don’t need to spend a fortune to clarify that your idea is a good one. Use your network – sell to friends and family, take on feedback and refine your idea. Try not to worry, it can be daunting, but most people are rooting for your success. You will make mistakes, but they will only help in the long run. Success can take time, and not every idea will work. But by using SUAZ, BSC and our resources, staff and support network, you’re giving yourself the best possible chance.

Read the essential points and strategy to include when writing a buy to let property business plan. Learn how to structure this crucial document. How to write a buy to let business plan 12 min read Beginner's Guide Table of Contents Categories What is a property business plan? Creating a property business plan Section one - assess your current position Section two - set goals for a buy to let business Section three - set your buy to let strategy Top tips for writing a buy to let business plan Build out the cash flow Consider how you’ll be taxed Speak to experienced property investors Start your business journey with SUAZ Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office Caught the entrepreneurial bug? Congrats! Starting your own business really is an adventure, where no two days are the same. If you’ve got an eye for detail, and a passion for property, you may be looking to start a buy to let business. Whether you’re a seasoned investor or new to the real estate industry, a comprehensive business plan is vital. For you to take the property industry by storm, you’ll need to write a buy to let business plan that outlines your goals. In fact, many banks will ask to see your business plan as a condition of giving you a business loan . We’ve put together this complete guide on how to write a business plan for a rental property, so you know how to approach each section. With your property business plan in hand, you’ll be ready to take the next steps toward building a successful and profitable property portfolio. What is a property business plan? In simple terms, a property business plan is a written document outlining what you hope to achieve as a business owner and how you plan to get there. You can think of your business plan as your business road map, detailing your company’s strategy and goals, and the steps you’ll take to achieve them. If you’re looking to apply for a business loan, it’s likely that your bank will ask to see your business plan before agreeing to lend you the money. This is because they’ll want to see how you plan to pay off the money you owe. Some of the key elements that should be covered in your buy to let business plan include: Where you’re at: Explain your current financial situation and any costs you anticipate Goals for your business: What does success look like for your business? Make sure you relate this back to financial projections Your strategy: How are you planning to run and grow your business? Explain your business structure and how you’ll operate day-to-day Creating a property business plan There’s no right or wrong way to create a business plan. As long as you cover the key elements and express your passion, you’ll be well on your way to success. The key to a successful property business plan is thorough research, so you have a list of what to include. Below, we’ll explore the key considerations you should include, step by step. Section one - assess your current position The first step in putting together your buy to let business plan is to evaluate your current position, so you know what you need to succeed. Try to assess the following areas: Your current financial circumstances: Assess your personal finances, including any debts and liabilities, as well as savings and other income sources. Do you have any financial commitments that could impact your ability to invest in property right now? Evaluate any potential risks, such as cash flow changes or unexpected expenses, and how they may affect your personal finances and stability. Your motivation for starting a business: Clearly define your motivation for starting a buy to let business, whether that be financial independence or simply a passion for property. What are your short- and long-term goals? Your available finances: Do you have the funds available right now to start your business? It’s important to have complete visibility of your savings, investments and any other finances you can allocate towards starting your enterprise. Calculate your initial costs to get things going and whether your current finances are enough, or if you’ll need additional funding. Additional funding: If you need additional funding from investors or a business loan, you’ll need to work out where this money will come from. Explore options like bank loans, private investors and crowdfunding, and make sure you understand their repayment schedules. Your skills: Assess your skills and knowledge around property management - if you’re missing any key skills such as real estate law and tenant management, you could look to take a course or contact someone experienced in the industry for advice. How you’ll manage your properties: You’ll need to make decisions about how you’ll manage your properties. Will you manage them yourself, or have help from others? Section two - set goals for a buy to let business Setting realistic and measurable goals is crucial for your business’ success. These goals are what you’ll work towards, allowing you to stay focused with measurable benchmarks to help you track your progress. First, you’ll need to make sure your goals are realistic and achievable with the resources you have. For example, you could have a financial goal to own a certain amount of properties. If so, you could mention this in your business plan and the steps you’ll take to achieve this, as well as how much money will be required to fulfil this goal. Initially, you’ll want to aim for a manageable amount of properties that you can not only keep on top of, but afford. Consider how you’ll manage your portfolio as it grows - the more properties you acquire, the more work it will take to maintain them. You may need to hire a property management company to handle day-to-day maintenance and operations. Take a look at our how to start a property business guide for more details. Other business goals you may look to aim for include: Pension pot: You may use your property portfolio as a way of building a retirement fund. Set goals that align with your retirement planning, such as owning a portfolio of debt-free properties by retirement age. Financial independence: If you’re looking to achieve financial freedom, explain what that means to you. Perhaps you’ll want to cover all your outgoings with your buy to let income, or perhaps retire early. Section three - set your buy to let strategy Writing out your buy to let strategy in your business plan is a crucial step in your business journey, serving as the blueprint for how you’ll achieve your goals. Of course, the strategy you take will vary depending on the type of property you invest in. What works for a residential property is likely to differ from a commercial property, for example. Some decisions you may need to make when writing the strategy section include: What is my price range for buying properties? What improvements or renovations will I make to increase value? How will I afford these improvements, and what is the expected ROI? Will I prioritise expanding my portfolio or upgrading properties? How will I manage properties? How will I market properties to appeal to tenants? Top tips for writing a buy to let business plan As we’ve mentioned, your business plan is your roadmap for success, detailing exactly how you’ll achieve your business goals. There are further considerations to include when writing your property business plan, to ensure your company is in the best position for success, including: Build out the cash flow Building out a cash flow document, such as a spreadsheet, can help you assess how to get the best rental yield - the return on your investment relative to the price you paid for the property and ongoing expenses. You’ll also gain an overview of your expenses so you can make informed financial decisions. Doing so can help you review your expenses (such as gas certificates, legal costs and letting agency fees), to align with your business goals. Another key consideration is mortgage costs and interest rate changes. Monitoring your cash flow can help you to manage any changes to these costs. You can input your monthly mortgage payments, including interest, to understand how much of your rental income will contribute towards these payments. Remember, if you have a fixed rate mortgage, the interest rate will remain the same each month up to a set period of time - five years for example. After this period the rate may change which could increase your monthly repayments. Inputting different rate scenarios into your cash flow document can help you prepare for these potential changes. Consider how you’ll be taxed Once you’ve built your cash flow, you’ll need to consider how you’ll be taxed as a business and how this will affect you. When deciding on a business structure, you may sway towards forming a limited company rather than operating as a sole trader due to the potential tax benefits. For example, as a limited company you’ll pay corporation tax rather than the income tax you’d pay as a sole trader, which is significantly less. Take a look at our limited company vs sole trader guide for more information. Speak to experienced property investors Reaching out to experienced property investors can offer first-hand knowledge and top tips for starting a buy to let business, as well as the latest industry changes. Reach out to like-minded professionals on platforms like LinkedIn, attend industry events and conferences or even contact local competitors to build valuable connections. You could ask questions about how they structured their own business plans, and what they’ve done to ensure their business remains profitable and sustainable long term. Start your business journey with SUAZ Writing your business plan for a buy to let property is a vital stage in your entrepreneurial journey. From setting your business goals to solidifying your buy to let strategy, you’ll soon have a business plan that you can turn to as you embark on your exciting next chapter. Looking to start a property business? SUAZ can take care of the complicated stuff for you. With our help, you can form your limited company completely free of charge, with support there whenever you need it. So, what are you waiting for? Form your buy to let business today with SUAZ. Recommended Readings

While the saying ‘it takes money to make money’ may sound like a cliché, there’s no denying that starting your own business can be expensive. A Guide to Startup Loans & Business Financing 3 min read Start-Up Finance Table of Contents Categories Financing your business Startup loans vs. Business loans Online lenders vs. traditional lenders Crowdfunding How do I get a loan? Get your business up and running in no time Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office While the saying ‘it takes money to make money’ may sound like a cliché, there’s no denying that starting your own business can be expensive. But you shouldn’t let that stop you from following your dream. If you’re looking for ways to finance your new venture, there are loans to start a business to help you manage the cost. Here, we’ll explain how to apply for a loan to start a business and the different financing options available to alleviate financial worries and pursue your business goals. Financing your business Have a business idea that’s sure to take the market by storm? The next step is making sure you have the money to get the ball rolling. Formulating a financial plan can help you visualise exactly what money you have to work with, and if your business idea is really viable. It’ll cover all the costs of your new company and what you’ll need to finance them. A financial plan is also a useful tool when pitching to investors or when applying for a business loan. Here are some of the components of a financial plan: Your investment budget: Here, you’ll list the investments you need to start your business and those that can wait until further down the road. This should give you an idea of how much money you’ll need to get your business started. Your financial budget: How are you planning to finance your new company? Will you apply for a Start Up Loan from the government? Are you borrowing money from a family member? You have several options available to you which we’ll cover later on. Your operating budget: Next you’ll need to estimate what your business’ turnover will be. You’ll need to analyse the costs of keeping your business running against the money you’ll make to ensure you’re making a profit. Your cash flow budget: Your income and expenses are likely to go up and down throughout the year. Here, you’ll put together a cash flow forecast which includes all income and expenditure per month. This can show you where you’ll have surplus money available and when you’ll need extra funds so you’re prepared for all eventualities. Many banks will also ask to see your cash flow forecast before approving you for a business loan. Startup loans vs. business loans When it comes to loans to start a business, there are two different routes you can take. You can apply for a business loan through a bank, or apply for a government-backed Start Up Loan. Let’s compare the two so you can decide which may suit you best. Government-backed Start Up Loan Did you know you can apply for financial support from the government to kick start your business? The government-backed Start Up Loan can lend you anything from £500 to £25,000 subject to acceptance. Unlike many business loans, the government’s Start Up Loan is an unsecured personal loan meaning your borrowing won’t be secured to a valuable asset like your home or car. But like other loans, you’ll need to pass a credit check. Benefits of this loan include free support to help you put together your business plan , and up to 12 months of free mentoring - ideal if you’re just starting out. To apply for the Start Up Loan you’ll need to be living in the UK, be aged 18 or over and have a UK-based business that’s been trading for less than 36 months, or plan to start one. It’s important to note that you will be charged for your borrowing - this government-backed loan charges a fixed interest rate of 6% per year. You’ll need to repay the loan over a period of one to five years, and you can choose to repay it early without any early repayment fees. Business loans Taking out a business loan is another option when it comes to financing your new business. They work in a similar way to other types of loans - you apply through a bank and will need to repay the amount through regular repayments. The amount you’ll be allowed to borrow will usually depend on your credit history and the bank’s specific borrowing limits. Some may give you a personal borrowing limit based on your credit rating. With this in mind, making sure your credit score is in good shape beforehand can give your application the boost it needs to be approved. Once approved, your business will be lent the money and you’ll start making regular repayments, including interest, over a set amount of time. Most banks will ask the following from you before approving your loan: You’re aged 18 or above You need the money for your business, not for personal reasons Proof that your business can make the repayments Details of any other business loans or finance you may have A Guarantee if you’re a limited company or Limited Liability Partnership Permission to carry out a credit check Online lenders vs. traditional lenders If you’re looking to borrow cash to get your business off the ground, you’ll need to decide whether to borrow from a private online lender, or a traditional lender like a bank. The best option for you will depend on your individual circumstances. If you don’t have much of a credit history or have struggled with bad credit in the past, you may find it easier to be approved by an online lender. One of the biggest advantages of an online lender is the convenience - they typically offer a fast application process which can all be completed online, rather than needing to visit a branch. They’re also known to offer a quick funding process - but exactly how long it will take to receive your money will be down to the lender. Online lenders may also offer you more flexible repayment terms. Alternatively, you may prefer to borrow from a traditional lender like a high street bank. If you have a strong credit score and would prefer to borrow from a well established bank or credit union, going with a traditional lender may suit you best. You may choose to take out a business loan with the bank you already hold a current account with, as they’re familiar to you and you have a history with them. Traditional lenders like high street banks may also offer you a lower interest rate than online lenders, so it’s worth shopping around to get the best rate on your borrowing. Crowdfunding If you’d prefer to avoid taking out a business loan, there are other routes you can take. If you’re looking for some financial support to get your business moving, you could consider crowdfunding. As the name may suggest, crowdfunding is where a ‘crowd’ funds a project, such as your new business. To raise the money you need, you’ll need to gain the attention of your potential investors and prove that your new business is worth their investment. There are a few types of crowdfunding for you to consider. With donation-based funding, your contributors will give money without receiving anything in return. Whereas with equity funding, backers will receive shares of your business in exchange for their funds. For debt-based funding, contributors are repaid with interest. If you choose reward-based funding, your donors will receive tokens, products or services as a reward for their donation. How do I get a loan? Before you go ahead and apply for a loan, it may be a good idea to weigh up whether you definitely need one. Like all types of borrowing, taking out a loan is a big financial decision. Make sure any borrowing you take on is affordable and that you’ll be able to pay it back. If you’ve struggled with debt in the past, you may want to consider other funding options to avoid damage to your credit rating. If you’ve decided a business loan is the right choice for you, how you go about applying for a loan will depend on which route you choose. If you decide to apply for the government-backed Start Up Loan, you can do so through the British Business Bank’s website . They’ll ask you a few simple questions about you and your new business to make sure you’re eligible for borrowing. If you’ve decided to apply for a business loan through a bank or credit union, here are the steps you’ll need to take: Decide how much you want to borrow: While a lender may offer you £20,000 for example, this doesn’t mean you need to borrow that amount. Work out exactly how much money you need to borrow and that you’ll be able to afford the repayments. Choose your term: A loan’s term is the period of time you’ll be repaying your loan. You may decide a year is long enough to pay back what you owe, or you may prefer to spread the cost over five years. Just remember the longer you take to pay back the loan, the more interest you’ll be charged. Provide your details: Your lender will ask for your personal details and details of your new business. Make sure you have all this information to hand so the application process is smooth sailing. Choose your loan provider: Decide which bank, credit union or other lender you want to borrow from. Make sure to compare lenders - they’ll offer different interest rates and deals. You’ll receive your funds: Once your loan has been approved, you’ll receive your funds. How long it will take to receive the loan will depend on your lender, so make sure to check this beforehand. Get your business up and running in no time If starting your own company has always been on your bucket list, you shouldn’t let business financing get in your way. Starting your own business doesn’t need to feel complicated. Why not let us take care of the hard work? Our company formation service can take charge of the tricky side of things, so you can focus on the most important thing - your exciting new start. Apply to form your company with SUAZ today. Recommended Readings

Explore the success of the UK's top food startups, from brands like Grenade to services like Gousto, offering invaluable insights for aspiring entrepreneurs. The UK’s Most Successful Food-and-Drink Startups 12 min read Beginner's Guide Table of Contents Categories Understanding the food and drink industry The fastest-growing food and drink startups Huel Grenade Gousto The most popular types of food & drink startups Ready to kickstart your food-and-drink business? Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office If you’re looking to start a food and drink business, the UK is a great place to do it. Many startups in the industry have gone on to not just survive, but flourish and become successful, household names. In the UK, the food and drink sector is expected to grow by more than 10% by the end of the decade . There are also plenty of trends that are influencing the growth of many businesses and startups, including an interest in local sourcing, plant-based food, meal kits and healthy choices. While costs in the industry continue to rise , which makes it a challenge for many businesses, trends are without doubt a blessing to others. But what are the most successful food businesses right now and what are they doing right? We’ve analysed the top food and drink businesses from the Alantra Food and Beverage Fast 50 reports from the last five years to identify trends and determine what’s hot in food and drink. So, if you’re looking to make your dream a reality and finally launch your startup food business, this data could help you on your journey to see whether your idea is likely to be a hit. We’ve also gathered insights from some food and drink experts to provide their views on what sets these businesses apart from their competitors. Understanding the food and drink industry Starting a food or drink business is tough. It’s no secret. In 2023, food and drink businesses accounted for 9% of all businesses that went into administration in the UK . When setting out on your entrepreneurial journey within the industry, you might have oodles of passion, experience, knowledge, skill and a killer idea. But, without insight into trends and leaning on the experience of success stories (and failures), you may be setting yourself up for a harder journey than it might otherwise be. Of course, starting any business is difficult, but having a full understanding of the industry ensures you have at least a little more chance than your competitors. You might have a few food business ideas you’re excited to pursue, but learning more about the fastest-growing businesses can provide you with valuable information so you can have confidence that your startup will thrive. To do this, there are several key areas to pay close attention to and be aware of: ● Trends – Keeping an eye on trends allows you to see the types of food and drink businesses that are in demand and where there may be a gap in the market. ● Benchmarking – You can compare your business to successful competitors and identify your strengths and weaknesses. ● Scaling potential – Looking closely at how other businesses have grown gives you an idea of how to put together your own growth plan. ● Industry knowledge – The ability to showcase your knowledge is a great way to attract potential investors. ● Learning from success – Soaking up as much information as you can on the success of others helps you create a strong business plan. The fastest-growing food and drink startups More than four million people work in the food and drink industry in the UK and the industry contributes £38 billion towards the UK economy. Trends come and go, but riding one can ensure booming success. In recent years, the sports nutrition market has experienced 27% growth as consumers become more interested in health, fitness and wellbeing. Our data supports this trend, with 5 out of the top 10 fastest-growing food and drink businesses offering protein powders and supplements. While this shows that it’s a popular industry, it also shows that it’s competitive. That being said, if you’ve identified a gap in the market or you can do something that your competitors aren’t doing, you shouldn’t let that discourage you. Let’s take a look at the fastest-growing food and drink startups and what they offer consumers. The dataset has also taken into account the number of monthly searches and their Instagram following, which has a major impact on brand awareness and sales. Huel Huel offers a range of nutritional meal replacement products that are convenient and affordable, which helps busy people maintain a healthy diet. Huel’s average two-year compound annual growth rate (CAGR) is 76%, which is a powerful metric for determining the success of a business. This means that investment has grown by an average of 76% per year over the two-year period. Not only that, every month there are, on average, 201,000 searches for the brand, and they have nearly 400,000 Instagram followers. Nick Peel, Managing Director of Stokes Tea & Coffee , an established brand operating for more than 120 years as a coffee roaster with both hospitality and eCommerce entities, says: “Huel has really tapped into the convenience of their product, whilst providing the user with everything they need in terms of nutrition in one helping. Great for people on the go who may not have the time to cook a meal but still appreciate the health benefits of consuming what their body requires in order to function at its optimum level.” “Huel also ticks the sustainable box as the product is plant based and has a long shelf life, therefore limiting waste which, owning and running several restaurants, is a major concern to me personally when I see the amount of food that can be wasted, despite extremely stringent measures to avoid this.” Grenade Grenade offers a range of high-quality sports nutrition products, including protein powders, energy drinks, pre-workout supplements and snacks. Many of their products have unique flavours, which helps them to stand out from the crowd. They have an average two-year CAGR of 59%, which indicates a significant rate of return and suggests strong performance. More than 40,000 Google searches are made a month, and Grenade has more than 257,000 Instagram followers. "As people in general are becoming more and more conscious of the benefits of good nutrition, Grenade’s use of imagery connected to the fitness industry alongside appealing flavours says it all. Convenience is massive, and easy ordering and big discounts are often available which help their brand loyalty" Nick Peel explains. Gousto Gousto provides customers with meal kits so they can make a range of dishes at home quickly and conveniently. They’re helping inexperienced cooks produce fantastic food at home without the need to even leave the house. Gousto has an average two-year CAGR of 70%, 135,000 monthly Google searches and nearly 250,000 Instagram followers. The fourth and fifth fastest-growing food and drink businesses are Brewdog and Bulk Powders respectively. Each is becoming a powerhouse in their own right thanks to solid growth plans and identifying and filling gaps in the market. Chris Sedgwick, PR & Brand Development Director of Sedg Creative, a PR consultancy that specialises in brand, pre-media, and development, says “BrewDog has carved out a distinct position in the market by embracing a bold, unapologetic approach to branding and marketing that sets them apart from their competitors.” “Their dynamic and edgy campaigns have consistently garnered attention, often blurring the lines between controversy and creativity. While some brands remain cautious, opting for neutral or traditional campaigns to avoid backlash, BrewDog thrives on pushing boundaries, fully embracing the mantra that "bad press is still good press." “What truly sets BrewDog apart is their ability to combine this disruptive marketing with unique product offerings and a clear brand identity. From their craft beers to their unique spirit offering, they continually innovate in ways that resonate with their target demographic. “Ultimately, it’s BrewDog’s blend of daring marketing, distinct products, and commitment to being unapologetically different that makes them stand out in a crowded market.” The most popular types of food & drink startups If you know that you’re keen to start a business in the food and drink industry but you’re not quite sure exactly what type, our data also reveals which are the most popular. Using this information, you can decide if your business idea is different enough to take on the competition, or if you’re ready to fill a gap in the market. A third (33%) of food and drink startups sell beverages, making them the most popular type of business. Just over a quarter (26%) of startups in the industry sell ready meals and kits, and the same number sell protein powders and supplements. Following this, at just over 7% are both businesses that sell pet food and treats, and bakery goods. If you have a great business idea, don’t let the fact that some business types are more popular than others. If you have a strong business plan and a unique product, there’s still a fantastic chance of success. Ready to kickstart your food-and-drink business? Launching your own food and drink business can be a daunting experience. But, it can also be massively rewarding, especially if you launch the right business at the right time and capitalise on trends and learn from those in the know. Businesses like Huel and Grenade identified gaps in the market and strategised to fill them. And they did so brilliantly well, which cemented them as the two most successful food and drink startups in the UK in recent years. There’s plenty to learn from successful food and drink startups, which means your business can also succeed in a competitive market. If you know it’s something you’re keen to do but you’re not quite sure where to start, read our guide on how to start a food business for more information. If you're now ready to start your food business venture, check if your business name is available and SUAZ will help you set up the rest . Recommended Readings

Looking for a virtual office in UK? SUAZ provides a prestigious business address without the need for physical space. Start your FREE trial today. Affordable, private, and flexible virtual offices Discover virtual office addresses designed to elevate your business presence with prime locations – all for a fraction of the cost of a traditional office. Choose from flexible packages that let you choose only the features you need. No unwanted extras, just industry-leading customer support and access to valuable business resources to help your new business. Choose your virtual office address from these locations: Starts at £9.99 per month Virtual Office Manchester A strategic choice for small businesses seeking a prestigious address in one of the UK's most dynamic cities in the digital and technology industry. Explore Now Starts at £10 per month Virtual Office Birmingham Our virtual office plan in Birmingham gives you all the cool stuffyou need to make your business look amazing, for way less money. Explore Now Why Startup A-Z is your best bet for a Virtual Office? Best value for the price Starting at just £9.99+VAT a month, our feature-packed packages offer everything from a professional address to mail forwarding – all designed to supercharge your business. Impressive address with a good SEO geolocation Project a trustworthy image by associating your business with a prime location in Manchester or Birmingham. These prestigious addresses, enhanced with SEO geo-targeting, will surely impress. Business support that goes above and beyond Our business experts are ready to answer your questions, big or small. Growing a new business can be a maze, but we’re here to guide and support our community whenever we’re needed.

 Check out this complete guide on how start a business. Never miss an important mail again Get secure, digital copies of all your essential documents stored in one central location. No more misplaced files. Flexible packages Choose from flexible packages that perfectly match your current needs. Easily upgrade as your business grows. Your privacy is our priority We understand the importance of keeping your information safe. We ensure your privacy by using technology with industry-leading security. Startup A-Z adheres to all relevant data privacy regulations, including GDPR and PECR. This ensures your information is handled according to the strictest legal standards. By choosing Startup A-Z, you can rest assured that your business information is in safe hands. What clients love us What can you get from our virtual office? An all-in-one business address Secure a prestigious registered and director service address that inspires customer trust. Smooth mail handling Never miss a document again as we give you one place to store all your mail. We scan and deliver secure digital copies directly to your inbox, keeping you in the loop regardless of location. Prestigious meeting rooms Conduct impactful meetings in our top-notch meeting rooms, designed for optimal productivity and fostering collaboration. From fast internet to comfortable ergonomic chairs, you’ll surely make a lasting impression on clients and partners, Business referrals Startup A-Z goes beyond virtual offices. Our dedicated team connects you with trusted referrals for additional business services, allowing you to focus on what matters most - growing your business. Get a virtual mailing address in just 4 steps Startup A-Z simplifies getting registered and director service addresses with a quick online onboarding framework. Choose your plan Select the virtual office package that fits your business needs and head to checkout. Welcome Aboard Once verified, you'll receive immediate access to your virtual mailing address, along with instructions for a smooth business address update Simple verification We'll send you an email with your company director's AML documents for quick verification. Update and use your virtual office Effortlessly update your business address to your new, prestigious virtual office location. What we offer? Startup A-Z offers a range of virtual office packages designed to support new and small businesses. Choose the plan that best suits your needs and enjoy the benefits of a prestigious address, secure mail handling, and flexible workspace solutions. All SUAZ virtual office packages include: A Registered And Director Service Address: Establish a professional presence for your business on your website, social media, and marketing materials. Digital Mail Forwarding: Stay on top of important documents with secure electronic copies delivered straight to your inbox. Upgrade your plan for additional features: Increased Mail Forwarding: As your business grows, so do your mailing needs. Choose a package with more mail forwarding options. Meeting Room Access: Make a great impression on clients with access to our professional meeting rooms. Manchester Birmingham How do virtual offices work? Running a business can be exciting, but renting a whole office might not be in the cards just yet. A virtual office is like having a cool business address without physically renting it. Here's how it works: Pick a location: You choose a virtual office package that gives you a fancy business address. Make an impression Give your business a professional look online by showcasing your central Manchester office address. Our team can also introduce you to the right people to help you grow your business. Get mail: Instead of your home mailbox, your virtual office receives your statutory mail or even your business-related mail. We scan it and send you a copy, so you can see what you got, no matter where you are. Meet clients: With our upgraded packages, our virtual offices have cool meeting rooms you can use, perfect for impressing clients or having team meetings. Frequently asked questions Home Page Registered Office Address Start Up A-Z General Company Formation Help After Company Formation Virtual Offices Address Services Business Call Answering Documents Filing SUAZ Homepage FAQs Other Services Filing Confirmation Statement Business Support Club Partnership Director’s Service Address in Manchester Compare Packages Virtual Office Birmingham Virtual Office How can SUAZ offer company formations for free? Companies House have been increasing their prices in recent years with a jump from £12 in 2024 to £100 in 2026. This could be a hurdle for many people starting a business and we want to make it more accessible. We partner with top business providers to provide additional services for new business owners like you, earning us commissions that let us subsidise your company formation at no cost to you. When can your business be up and running? We try our best to get your business up and running as quickly as possible. Submissions sent before midday usually come back to us the same day, but this can’t be guaranteed as delays do happen. We try to get all applications back within 36 hours, but if there are issues with your application such as your company name being flagged for extra checks, this can delay the process. Frequently Asked Questions See all FAQs

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