by Deepti Agarwal | Jun 30, 2025 | Bookkeeping, Budget Summary, Business Tips
Rising costs are making it increasingly difficult to create meaningful margins and keep your small business in a positive cashflow position. The latest quarterly Small Business Insights survey from Intuit QuickBooks shows more than half of UK small businesses (57%)...
by Deepti Agarwal | Jun 27, 2025 | Bookkeeping, Budget Summary, Business Tips
How to Maximise Your R&D Credit (Especially If You’re in Losses) If your company is investing in innovation but not quite turning a profit yet — don’t worry, that R&D spend could still bring cash back into the business. At Watermill, we love a good...
by Deepti Agarwal | Jun 24, 2025 | Bookkeeping, Budget Summary, Business Tips
At the early stages of your start-up journey, access to credit can be a lifesaver. Cashflow is tight, customer revenue can fluctuate wildly and large-scale bank loans and external funding may be in short supply. In this situation it might seem counterproductive to...
by Deepti Agarwal | Jun 20, 2025 | Bookkeeping, Budget Summary, Business Tips
Big news for anyone claiming R&D tax relief: as of 1 April 2024, HMRC has introduced some important updates to the Additional Information Form (AIF). The goal is to bring in more transparency, crack down on fraud, and make sure only genuine R&D activities...
by Deepti Agarwal | Jun 16, 2025 | Bookkeeping, Budget Summary, Business Tips
Access to funding, overdrafts and lines of credit is the lifeblood of growth for any small and medium-sized enterprise (SME). But new research by Allica Bank has shown that there’s an SME funding gap of up to £65billion in the UK – potentially choking SME...
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