About Business Finance Toolkit

Business Finance Toolkit publishes plain-English guides, checklists and templates to help UK sole traders, freelancers, contractors and limited company directors organise their money.

Who owns and runs Business Finance Toolkit?

The publication is independently owned and operated by Five Thirty Co Ltd, a UK registered company. We built this site because the existing information for UK small businesses was often fragmented across GOV.UK, overly academic on accountancy firm websites, or hidden behind aggressive marketing funnels on software platforms.

We operate the site with a small core team and commission subject-matter experts for specialist topics. Our operational responsibility is to ensure that every piece of guidance we publish is accurate, up to date with current UK tax years, and genuinely useful for a founder trying to run a business.

Meet the editorial team

Our content is written and reviewed by professionals with first-hand experience of UK small-business finance — including qualified accountants, former finance journalists, and active company directors.

You can read full biographies, credentials and professional backgrounds on our Editorial Team page.

How we research and check information

We are not a bank, accountant or financial adviser. Everything we publish is general educational guidance only. Always check the latest information on GOV.UK and consider professional advice for your situation.

• Tax and regulation: We source rules directly from GOV.UK, HMRC, and Companies House. We link to these primary sources within our articles.
• Product information: We review banking and credit products by analysing official provider terms, fee schedules, and regulatory status (such as FCA authorisation and FSCS protection).

Our full methodology is detailed in our Editorial Policy.

How we make money (and editorial independence)

We earn commission when readers apply for certain products via our affiliate links. This is how we keep the site free to use without running display ads or selling user data.

However, our commercial partnerships do not dictate our editorial conclusions. If a free account is better for a new sole trader, we say so. If a credit card has high fees for carried balances, we highlight that risk. We also write about providers with whom we have no commercial relationship.

For full details on our partnerships, see our Affiliate Disclosure.

Corrections

We date-stamp every article so you know when it was last checked. If you spot a factual error or an outdated figure, we want to know about it. See our Corrections Policy for how to report issues and how we handle updates.

Contact

To get in touch with the team, please visit our contact page.