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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 £24.99 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 £224.99 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? Here at SUAZ, we believe that it shouldn’t cost you a fortune to follow your dream. We also know that starting a business isn’t cheap, which is why our company formation service is completely free - so you can keep your hard-earned cash to make your business the best it can be. Wondering how we make our money? Our upsells are bonus features that can help your business get a head start. We also introduce you to other businesses and sometimes earn a commission from doing so. 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 Need Business Support? Join Business Support Club, your one-stop shop for your business needs. Avail our startup essentials package to get your business up and running fast! Join the club for free!

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. In turn, as our clients’ businesses grow, they trust us to connect them with vetted and approved suppliers on our B2B marketplace platform, Business Support Club . 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.

Avoid the frustrations of forming a new business. A Readymade Company is preregistered and ready for your name, so you can start trading TODAY. Start Trading Today Choosing to form a new business and sourcing suppliers can lead to let-downs, dead ends & delays. A Readymade Company is pre-registered, just waiting to be transferred into your name and allowing you to start trading TODAY. Shop Now Quick Guide to RMC Play What can you get from Ready Made Companies? 01 Upgrade your image Your Readymade Company is established, recognised, and known to Companies House, and already registered at a prestigious city centre address. 03 You deserve support This is just the beginning, you will receive the support of a highly trained business concierge service, who will guide you through any queries or requests you may have. 02 Premium online presence Choose a Readymade Company that’s professionally branded, unique and will catch the eye of your customers. 04 Impress your customers Communicate confidently with a dedicated landline number. Direct calls to your mobile, home or office, or choose from our selection of call answering & reception services. 05 Branding speaks louder than word Meet clients, conduct meetings with business partners, or get the work done with our impressive rooms that offer you the comfort of a good work environment. Our amenities are fully equipped with everything you need for productive and professional gatherings, from high-speed internet to comfortable ergonomic chairs. LO LOW LTD 1/1 STARTING FROM £ 42.50 pcm for 2 years See more Product is available for one-time payment SLING SERVICES LTD 1/2 STARTING FROM £ 42.50 pcm for 2 years See more Product is available for one-time payment THE REALTY TEAM LTD Ad Design Mockup.jpg the-realty-team-bts_product-tile-2.jpg Ad Design Mockup.jpg 1/2 STARTING FROM £ 42.50 pcm for 2 years See more Product is available for one-time payment ORAS MANAGEMENT LTD 1/1 STARTING FROM £ 42.50 pcm for 2 years See more Product is available for one-time payment PEBBLE FINANCIAL LTD Advertisment Design.jpg pebble-financial_product-tile-2-12-1.jpg Advertisment Design.jpg 1/2 STARTING FROM £ 42.50 pcm for 2 years See more Product is available for one-time payment EVO BLUEPRINT LTD Logo.jpg evo-blueprint-ltd_product-tile-2.jpg Logo.jpg 1/2 STARTING FROM £ 42.50 pcm for 2 years See more Product is available for one-time payment TEAM HOME LTD 1/2 STARTING FROM £ 42.50 pcm for 2 years See more Product is available for one-time payment WI GO TRAVEL LTD Wi Go mockup.jpg wi-go-ltd_product-tile-2.jpg Wi Go mockup.jpg 1/2 STARTING FROM £ 42.50 pcm for 2 years See more Product is available for one-time payment GREEN CENTURY LTD 1/1 STARTING FROM £ 42.50 pcm for 2 years See more Product is available for one-time payment INFINITY TODAY LTD Advertisment Design.jpg infinity-today_product-tile-2.jpg Advertisment Design.jpg 1/2 STARTING FROM £ 42.50 pcm for 2 years See more Product is available for one-time payment NNMU LTD Logo mockup.jpg nnmu_product-tile-2.jpg Logo mockup.jpg 1/2 STARTING FROM £ 42.50 pcm for 2 years See more Product is available for one-time payment ION CLOUD LTD logo mockup.jpg ion-cloud_product-tile-2.jpg logo mockup.jpg 1/2 STARTING FROM £ 42.50 pcm for 2 years See more Product is available for one-time payment ON RACE LTD on-race.webp on-race_product-tile-2.jpg on-race.webp 1/2 STARTING FROM £ 42.50 pcm for 2 years See more Product is available for one-time payment SINGLE THOUGHT LTD 1/2 STARTING FROM £ 42.50 pcm for 2 years See more Product is available for one-time payment EVERY NOTE LTD Logo.jpg every-note_product-tile-2.jpg Logo.jpg 1/2 STARTING FROM £ 42.50 pcm for 2 years See more Product is available for one-time payment Load More

Need a brand or website? ARGQ delivers bespoke solutions tailored to your business. Cost-effective, quick turnaround, and expert support. Get a Free Quote. < Back ARGQ Designs: Bold Ideas, Beautifully Crafted. Who are they? ARGQ Designs is a creative design agency that crafts strategy-led brands and web experiences in a short period of time. We specialise in bespoke design solutions, tailored to your individual business and work with start-ups to provide cost-effective solutions, without sacrificing on quality. At ARGQ, we don't tie clients into large budget campaigns or retainers, we work simply on a time allocation to ensure that you only pay for what you need and can spend your money in ways that will benefit your business most. Key Points UK-based management Quick and cost-effective solutions Costs from just £50 Backed by Business Support Club In operation since 2021 Previous Available Services Bespoke Branding - A complete branding package that provides everything you need to develop and position your business brand identity, including logo design, brand guidelines, document creation, social media headers, email signatures, etc. Website Creation - Build a high-quality, low-cost website to showcase your business and start trading online. Social Media Management - With packages available to suit your needs, we can build your social media presence and enhance your business activity. Content Creation - Content is King. Allow our experts to create content specific to your business, designed to increase engagement and deliver results. SEO - Improve your website and optimise for search, bringing more people to your website organically Paid Advertising - Spend money on advertising the right way. Allow our team of experts to manage your online advertising to increase website traffic and sales, without paying the usual large agency fees Next

We can file your yearly confirmation statement directly with Companies House. It's a legal requirement you can do yourself, or we'll handle it for you. Confirmation Statement Filing We can file your yearly confirmation statement directly with Companies House. It's is a legal requirement which can be done by you, or we’ll take care of it on your behalf to save you the hassle. We’ll also send ongoing reminders yearly to make sure you don’t forget. Confirmation Statement Filing Every year, every UK Limited company must file a confirmation statement with Companies House: simply, a confirmation statement confirms that the information held by Companies House on your company is correct. We take the hassle out of your hands by filing your first year confirmation statement for you: no fuss, low-cost peace of mind for you and your business. Why Choose Start Up A-Z? Start Up A-Z is a specialist company formation agent, focusing on Limited and LTD Liability companies with a single standardised shareholding. By simplifying the structure of our formation process to include only the most frequently in demand – a LTD company with one director – we can provide a service that doesn’t require hours spent filling out details, weeks waiting for completion, or unnecessary cost. Fast, user-friendly and FREE company formation – it couldn’t be simpler. Our process: 1. Confirm with us via email what, if anything, has changed since your company was incorporated: Registered office address Shareholders Your line of business (as expressed in Standard Industry Classification (SIC) codes) The amount of share capital issued Who owns the shares Officers within your business who are considered a Person of Significant Control (PSC) 2. We complete a CS01 confirmation statement form on your behalf and send it on to Companies House. 3. We send you a confirmation email that informs you that you have met the legal requirements for filing a yearly confirmation statement. Choose our virtual office Providing a registered office address for receiving official communications from Companies House, a virtual office can bring big advantages for your business: a prestigious Manchester city centre business address allows you to keep your home address private and give your professional status a lift. View more Form your company with us Check availability Download

Get expert accounting advice. The Accountancy Partnership provides unlimited support, tax returns, and year-end accounts. Low fixed fees. Free consultation. < Back The Accountancy Partnership Who are they? All-inclusive accountancy service. When you join you will get your own dedicated accountant from one of our UK-based offices, who will get to know you and your business in detail. Your dedicated accountant will always be on hand to answer any questions about your business. You can contact them via email, or phone, or meet them in person any time you like. Key Points The Accountancy Partnership offers: Unlimited help and advice A FREE no obligation consultancy call with one of their support team Low fixed monthly accounting fees for Limited Companies Regular business recommendations, such as Tax efficiency reviews, to ensure that you are getting the most out of your business Access to your own dedicated accountant Completion of your accounts and tax returns Access to simple online accounting software Previous Available Services Services available for Sole Traders, Partnerships, Contractors, Freelancers, and Limited Companies Accounts Tax returns VAT returns Bookkeeping Payroll Self Assessment Next

Always be available for your customers. CircleLoop ensures you never miss a call with features like call forwarding, voicemail & professional auto-attendants. < Back Stay in the Loop with Circle Loop Who are they? The smarter phone system for ambitious businesses Easy to use, with inclusive features and pay-as-you-grow pricing, CircleLoop helps businesses communicate better. Set up is simple on the devices you already have, from £5 per month. A business phone system, but not as you know it. A system that runs in simple cloud-based apps rather than being reliant on cables, clunky hardware and complicated SIP connections. A system that is completely self-service and you can set it up and manage without the need for technical knowledge. CircleLoop enables you to always be there for your customers. You’ll always present a professional image, never miss a call and enhance all your business relationships. All of this is achieved with cost-effective and flexible communications you can rely on. Key Points No fixed-term contracts Modern Cloud Telecoms A flexible and reliable modern-day phone solution A system that is completely self-service and you can set it up and manage without the need for technical knowledge. Previous Available Services Desktop and Mobile Apps Instant Number set-up Deskphone syncing Number Porting Conference Calls Call Recording Call Forwarding and Transfer Out of Hours Routing Next

Simplify your business finances with Zempler Bank. No monthly fees, fast sign-up, and access to your money anytime, anywhere. Apply online now and get started. < Back Zempler Bank formerly Cashplus Who are they? Zempler Bank, formerly Cashplus. Business banking made simpler. Apply for your business account in minutes and start taking payments. Zempler Bank are a fully regulated British Bank, with FSCS protection up to £85,000 on eligible deposits. Your account also comes with built-in fraud protection, all day, every day. Zempler Bank accounts make managing your money simpler. Every account comes with: Fast sign-up – apply in minutes online and start taking payments. In-app and Online Banking. Instant payment notifications. 24/7 fraud monitoring, plus instant card freeze. UK telephone support from real humans. Cash deposits at any of the UK’s 11,500 Post Offices. Tools that take the effort out of money admin like cashflow tracking and integrated accounting. Key Points No Monthly Fees UK Customer Service Get a decision within minutes All accounts are fully regulated and FSCS-protected Access your business finances 24/7 through their online and app access. Categorise spending on the go and create spending reports Instant notifications for payments and transfers Capture and add receipts within the app Connects to all leading accountancy packages (Xero, QuickBooks, Sage, etc.) The perfect Bank Account for Small Businesses Previous Available Services Business Go Current Account Business Extra Current Account Business Credit Card Spending Insights Invoice Generator Overdrafts Travel Currency Card Next

Tired of complex accounting? Gorilla Accounting simplifies your finances with dedicated support, fixed fees, and simple software. Get a free consultation now! < Back Gorilla Accounting: All-Inclusive Support Who are they? All-inclusive accountancy service. Gorilla Accounting offer a fully-inclusive fixed fee package for all of your accountancy needs. Gorilla is a modern, straightforward solution to your accounting needs specifically designed for contractors and freelancers. Their flexible accounting solutions and processes are continually developed to ensure the best possible service. Gorilla Accounting have been offering accountancy for contractors and freelancers for many years. They specialise in technology-driven services that take the hassle out of accounting and we offer your very own dedicated accountant with unlimited support. Key Points Gorilla Accountancy offers: Unlimited help and advice A FREE no obligation consultancy call with one of their support team Low fixed monthly accounting fees for Limited Companies Regular business recommendations, such as Tax efficiency reviews, to ensure that you are getting the most out of your business Access to your own dedicated accountant Completion of your accounts and tax returns Access to simple online accounting software Previous Available Services Services available for Sole Traders, Contractors, and Limited Companies Accounting Tax Claims Self Assessment Next

Learn what public liability insurance is, why it's essential for UK businesses, and how it protects against claims for injury or property damage. What is public liability insurance and what does it cover? 12 min read Company Formations Table of Contents Categories What is public liability insurance? What does public liability insurance cover? What doesn’t public liability insurance cover? Why do you need public liability insurance? How much public liability insurance do you need? How to get public liability insurance in the UK Tips for managing your public liability insurance Ready to chase your dream? Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office Nothing compares to the feeling of starting your own business . You can bring your vision to life with endless opportunities to explore. But with that excitement comes several key responsibilities, and more so if you'll be dealing with the public. Chances are you’ve come across a lot of jargon in your business journey so far, especially when it comes to insurance. There are several types of business insurance out there to suit different business needs. While not a legal requirement, public liability insurance can offer significant protection, covering you if a member of the public has an injury or their property gets damaged because of your business. In this guide, we’ll answer exactly ‘what is public liability insurance?’, why it’s important and how to find the right policy for your needs. What is public liability insurance? Public liability insurance is a form of business insurance designed to cover you if a member of the public claims to have been injured, or had their property damaged, because of your business. Your insurance would then financially protect you against any legal proceedings that follow the claim, including any compensation that may be owed. While it’s not a legal requirement to have public liability insurance in place, some clients may ask that you’re covered for public liability before agreeing to work with you. So, in some cases it does more than protect your business - it could also secure you new opportunities too. What does public liability insurance cover? Should a member of the public claim to have been injured or had their property damaged as a result of your business activities, public liability insurance could cover the cost of compensation. Your insurance may cover the cost of compensation for personal injuries, loss of or damage to property and death. While policies can vary depending on the terms of your policy, most insurers will cover you for: Incidents that occur on your business premises Incidents that occur off-site, at events or activities organised by your business Your policy may also cover the cost of legal fees as a result of a claim against you. What doesn’t public liability insurance cover? What is and isn’t covered by public liability insurance will depend on the terms of your policy, but there are several common exclusions you need to be aware of. For example, claims made by an employee against you for damage or personal injury aren’t covered by public liability insurance - you’ll need employers’ liability insurance for that. Other circumstances that aren’t likely to be covered include: Pre-existing issues or claims: Your policy isn’t likely to cover any issues that occurred before you took out your policy. Usually, you’ll only be covered for claims that arise once you’re insured. Hazardous materials or substances: If an accident was caused by a dangerous substance such as asbestos, it’s not likely to be covered. Criminal acts: It may sound obvious, but insurers are unlikely to cover property damage or injuries that were a result of breaking UK laws or criminal behaviour. Why do you need public liability insurance? Becoming an entrepreneur opens the door to new, exciting opportunities but an equal amount of risks. As much as we can try to prepare for the unexpected, accidents do happen and can have legal and financial consequences. Public liability insurance is designed to protect your business should the worst happen and a member of the public claims they were injured or their property was damaged as a result of your business activities. Let’s say you open a retail business and a customer trips over a cable in your shop leading to a serious injury. Without public liability insurance, you could be liable for not just medical expenses but legal fees, which can add up quickly and significantly impact your business’ financial wellbeing. As we mentioned earlier, public liability insurance isn’t a legal requirement, but it can be a massive benefit. Some clients may even ask that you have public liability insurance as a condition of their trusting and working with you. With a policy in place, you’ll have the peace of mind that should disaster strike, you and your business won’t be financially liable. How much public liability insurance do you need? How much public liability insurance you need will ultimately depend on the nature of your business. After all, each business is unique and the amount of cover you need will depend on the types of clients you work with, how much you interact with the public and your level of risk. Different insurers will cover you up to different amounts, ranging from £1m to £10m. Your cover limit is the maximum amount your insurer will pay out should you need to claim (and that claim is covered). When deciding on the level of cover you need, you’ll want to consider the following: Your clients’ expectations: Depending on the industry you operate in, your clients may expect a level of cover as a condition of working with you. For example, a client may ask that their suppliers have at least £5 million of public liability cover. If you go ahead with the work but do not have it, you will be in breach of contract. Your level of risk: Will your business regularly interact with members of the public? If so, there is a higher chance of compensation claims, especially if you work in a higher risk industry such as construction . It’s also important to consider the repair costs involved should damage to property occur, for example. Trade bodies/associations: If you’re looking to join a trade body or association, you may be required to have a particular level of public liability insurance. How to get public liability insurance in the UK While insurance can sound complicated, taking out a public liability insurance policy in the UK is usually a straightforward process. Here’s how to find the right policy for you, step by step: Work out what you need: Assess the level of protection you need. This will largely depend on the industry you work in, how much interaction you have with the public and your level of risk. From there, you can decide on how much cover you need. Shop around: Use comparison tools to compare policies from different insurers. Read the fine print : Make sure your policy covers what you need it to and watch out for any exclusions. Complete your application: Once you’ve decided on your policy and insurer, you’ll need to fill out your application. You’ll usually be asked to provide your business details, including your annual turnover, your business’ industry and the number of the employees. Try to be as honest and accurate as possible so you aren’t left unprotected. Review annually: Make sure you review your policy on an annual basis, as well as whenever there’s any change to your business. That way, your policy will continue to protect you as your business grows. Tips for managing your public liability insurance Public liability insurance is more than just a formality. Rather than getting your policy and then forgetting about it, you’ll need to review your cover regularly to ensure it still provides the right level of protection. Here are some tips to help you manage your public liability insurance: Review your policy regularly: As your business evolves, your risks are likely to change too. Make sure you review your policy, especially if you go on to offer new services or operate in new, different locations, to ensure your coverage is enough to protect you. Keep records accurate: Make sure you keep your documentation up to date, such as any risk assessments, incident logs and contracts. That way, should you need to make a claim you’ll have all the information you need to hand. Prioritise risk management: Keep accidents to a minimum by implementing health and safety measures for your business. Invest in regular training for staff, clear signage and equipment checks to ensure everything is working safely and correctly. Doing so could reduce your need to claim and potentially lower your premiums. Ready to chase your dream? Sorting out your business insurance is a vital step in your business journey. Now you’ve got your head around how public liability insurance works, you’re one step closer to making your business dream a reality. Ready to get started? With SUAZ, you can form your company completely free of charge, and you’ll have professional advice and support to hand whenever you need it. Form your limited company today. 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

It can cost from £50 to set up a limited company, but at Start Up A-Z we cover this expense, meaning you can register a business for free with us. Learn more. How much does it cost to set up a limited company? 8 min read Company Formations Table of Contents Categories How much does it cost to set up a limited company yourself? How much would an accountant cost to set up my limited company? How to save money setting up a limited company The costs of registering a business Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office Starting your own business is very exciting. It’s the first step towards being your own boss and hopefully making a major impact on your industry – as well as making a lot of money if your new venture is successful. But, before you can make money with your business, you need to understand the costs involved. When starting out, most business owners will need to spend some money to get things off the ground, whether you’re buying tools, setting up your website or promoting your new products or services. There are also costs involved specifically when you set up a limited company, which increased in 2024 in an effort to protect the integrity of the data held by Companies House. But how much does it cost to set up a limited company and are there ways to save money so you can focus your spending elsewhere? In this article, we’re going to explain the cost to set up a limited company when you register with Companies House, and how SUAZ can save you from those fees so you can concentrate on other aspects of starting your business. How much does it cost to set up a limited company yourself? If you register your limited company on Companies House yourself, it will cost you between £50 and £71. This is more than a 300% increase, as the fee rose from £12 in May 2024. And in the early stages of starting your business, every penny counts – so to spend this much might be a major hit on your budget. But, it’s important to note that Companies House didn’t raise this fee to make more money. SUAZ’s Start-Up Advisor, Joe, says, ‘The increase is justified as an effort to protect the integrity of the public register. If these changes lead to more accurate information on Companies House, there will be a decrease in fraud and the overall benefit to the reputation of UK companies.’ If you’re looking to set up your company with same-day incorporation, it can cost even more, at £78. And if you rush things and later decide to change your name, this will cost an additional £83. It’s also important to note that it takes some time to set up a limited company this way. Again, this is time that could be spent elsewhere, including making money. How much would an accountant cost to set up my limited company? Employing an accountant can be a valuable investment for your business, particularly if you’re not confident with overseeing your business’ finances. But, if you ask an accountant to set up your limited company on your behalf, not only will you be responsible for the incorporation fee which is a minimum of £50, but you’ll also need to pay the accountant for their time. This could be anything from £100 for an inexperienced accountant, or £300+ for a senior or experienced accountant. This is, of course, a rather eye-watering expense in the early days of starting your company. If you’re really not confident about taking this on yourself and you have a large budget, you may want to ask an accountant to take on this responsibility. However, there are ways to ensure an expert takes care of this for you while also making sure you don’t spend unnecessary money. How to save money setting up a limited company Did you know that when you’re setting up your business, by using a company formation service like SUAZ you make significant savings? In fact, using SUAZ means you don’t have to pay Companies House a penny and the cost to set up a limited company is zero. So, if you want to save yourself the time it takes to submit the relevant forms to Companies House and the £50+ fee, we’re here to help. There are no hidden costs and you’re not tied into buying something down the line. Saving money when you’re setting up your limited company is vital, so having a team of experts take this time-consuming and pricey task from you can go a long way towards helping your business get off the ground. The costs of registering a business As we highlighted right at the beginning of this article, starting a business is expensive. There are so many costs associated with it that it can sometimes be a little daunting. One of those costs is the fees you pay to Companies House when registering a limited company. If you do this directly, you have to pay those fees, which are now a minimum of £50. However, if you use a company formation package, like the one offered by us here at SUAZ, you don’t have to pay a thing. This means you have extra budget to play with and put yourself in a better position for success. If you’re thinking of setting up a limited company, Start Up A-Z is here to help. With us, you can form your company for free - we’re here to support you at every stage. Find out more about our invaluable company formation service. Recommended Readings