Offres credit control à CardiffCréer des alertes d'emploi

Previous experience in credit control, accounts receivable, or collections. Working closely with internal teams to resolve credit-related issues. Ensuring processes align with company credit control policies and procedures.

Proven experience in credit control or accounts receivable roles. Accounts Receivable Team Leader Opportunity. A reputable manufacturing organisation in Cardiff is looking for an Accounts Receivable Team Leader to join their finance function.

About the Company We're partnering with a fast‑growing, FCA‑regulated digital wealth platform that is redefining how modern professionals build and manage their wealth. The business has been built to address a clear gap in the market - giving mass‑affluent individuals (e.g. high‑earning professionals, founders, and entrepreneurs) access to sophisticated financial tools and investment opportunities traditionally reserved for private banking clients. Their platform combines: • Actively managed investment portfolios, • Tax‑efficient savings solutions, • Lending products (portfolio‑backed credit), • Access to alternative investments (e.g. private markets - current and upcoming), • A financial advice proposition Having already surpassed £100M+ AUM within a short period, the business is now entering a true scale‑up phase, with a clear trajectory toward £1B AUM. The team is still relatively small (~20 people), but highly capable, and the culture is: • Ambitious and fast‑paced, • Highly collaborative, • Product‑led and customer‑focused, • Built around ownership and accountability This is a business that is building something genuinely differentiated in wealthtech, not simply iterating on existing models. The Role This is a critical leadership hire - taking ownership of the compliance and financial crime function as the business scales and product complexity increases. The current framework is strong (no legacy issues), but the next phase requires someone who can evolve compliance into a scalable, product‑embedded function. You will: • Take ownership of (or step into) SMF16 & SMF17 responsibilities, • Lead and scale a lean compliance & financial crime function, • Embed compliance into product, engineering, and operations, • Support the rollout of new and increasingly complex investment products, • Oversee regulatory areas including:, • MiFID / COBS, • Product governance, • Consumer Duty, • Financial crime frameworks, • CASS / client money permissions, • Financial promotions, • Act as the primary point of contact with the FCA, • Guide the business through key regulatory milestones, including:, • Scaling AUM, • Client money permissions, • Launch of financial advice, • Build systems and processes that enable scale, rather than relying on manual oversight, • Shape the overall compliance culture of the company Why This Role is Different • You're not inheriting a broken function - you're scaling an already strong one, • The product stack is multi‑layered and evolving quickly, • Investment propositions are becoming increasingly sophisticated and differentiated, • You'll operate at the heart of product and strategy, not as a back‑office function, • You'll work directly with a high‑calibre founding team, • You'll have real influence over how compliance is built in a modern wealth business What They're Looking For • Strong experience in investment or wealth‑management compliance (MiFID, COBS, suitability/appropriateness, investment platforms, portfolio oversight, or similar) • Experience operating in an FCA‑regulated environment, • Strong understanding of financial crime / AML frameworks, • Ability to operate at senior / Board level, • Experience building or significantly evolving compliance frameworks, • Comfortable across multi‑product environments, • Appetite to take on (or step into) SMF16/17 responsibilities Highly Desirable • Experience in wealthtech, fintech, or high‑growth environments, • Exposure to:, • CASS / client money, • Alternative investments, • Lending alongside investments, • Advice or advisory models, • Experience working closely with product & engineering teams The Ideal Profile This role will suit someone who: • Combines strong investment‑regulatory knowledge with a practical, commercial mindset, • Enjoys building and scaling, not just maintaining, • Is comfortable operating in a lean, fast‑changing environment, • Can strike the right balance between control and enabling growth, • Wants to be part of a business shaping the future of wealth, not following it Package & Location • £90,000-£115,000 base salary (flexible for the right candidate), • Equity participation, • Cardiff or London based (3-4 days per week preferred) If you're looking for a role where you can own, shape, and scale compliance within a genuinely innovative wealth platform, this is one of the most interesting opportunities currently on the market.

About Us: 16 Hours Location: Cardiff Our Vision is to be admired for our craft, experience, and sustainability. Desired by our customers and loved by our people. Today Moss is more than a menswear brand, we are ‘Styling individuals for moments that matter’. We’re not just for men on their big day – we’re for everyone, all the time. Whether they need to hire a one-off outfit, elevate their daily wardrobe, or create a custom piece, we’re by their side with over 170 years of tailoring know-how and considered clothing made for life as we all live it now. Our shared values encourage us to Trust our colleagues to think Creatively and plan for the sustained growth and development of Moss. For us this is about working Collaboratively and using Agility to achieve success, whilst leaving a positive impact. Embracing our core values and behavioural competencies strengthens relationships with our customers and colleagues. Purpose of the Role: You will be a true Brand Ambassador who will be able to interact easily with a broad range of customers. You will be a natural promoter of customer service excellence, responsible for the customer’s journey and experience instore, ensuring that customers return time and time again. You will be hardworking, dedicated, and swiftly identify the needs of your customer to provide engaging styling options. Your dedication to exceed customer expectations will support the overall store KPI’s, positively contributing to the overall performance through personal productivity. Key Responsibilities: • You deliver an exceptional customer experience, following the Moss Essential Steps of Service, putting the customer at the forefront, actively greeting, listening, and confidently offering individual bespoke advice, selling in a professional and passionate way., • You strive for high productivity, seizing each opportunity to maximise sales and services goals, elevating every interaction, contributing significantly to our business KPI’s., • You have strong product knowledge for all our services: Hire, Custom Made, Retail, Alterations, Ship from Store and can proactively use this towards tailoring the customer experience., • You will be aware of external opportunities that could improve store performance and provide the best customer experience improving service based on feedback from Feefo and Mystery Shops., • You will assist store management with stockroom and back area housekeeping, including receiving deliveries, stock handling, adhering to all stock & cash control procedures to minimise cash loss and stock loss., • You will follow the Appointment process by utilising the appointed platform, ensuring that all customers are contacted prior to their visit and status information is recorded accurately. What You'll Need to Succeed: Technical: • Basic Product Knowledge involves understanding the features, benefits, and products available in the store., • POS Systems encompasses familiarity with cash tills, credit card processing, and inventory management systems. About You: • Reflects the aesthetic of Moss through personal style and presentation., • Embraces continuous self-improvement, resilience, and efficient time management as core personal attributes, driven by passion for the brand., • Has outstanding communication abilities, to inspire, guide, and foster meaningful relationships, with colleagues & customers, effectively elevating the brand's presence., • Consistently embodies Moss’s core values and behavioural competencies in daily responsibilities and interactions. Rewards & Benefits: • Employee Discount: 70% discount across all our stores., • Team Reward Pay Scheme: Generous bonus scheme, paying up to 15% of your gross monthly salary each month., • Refer a Friend: We recognise and reward successful referrals for Managers with a £500 bonus., • Season Ticket Loan: Financial support for commuting., • Cycle to Work Scheme: Encouraging eco-friendly travel., • Discounted Gym Membership with PureGym: Promoting physical health and fitness., • Life Insurance: Providing peace of mind for colleagues., • Ongoing Development: Tailored to suit your career ambitions from day one., • Access to Moss Learning: An online learning platform for skill enhancement., • Employee Hub: Easy access on the go to colleague benefits, recognition, wellbeing, and company updates., • New Baby Gift: Celebrating important personal milestones of colleagues. If you want to know more about MOSS, our people and our culture, search #LifeatMoss or TailorYourCareer on LinkedIn Moss is unable to offer visa sponsorship. Applicants must have the right to work in the UK at the time of application. Unfortunately, we are not able to support visa applications or future sponsorship.

Your new company \nYou will be joining a growing and forward-thinking professional services organisation with a strong presence across the UK and Ireland. Known for its collaborative culture and modern approach, the business works closely with SMEs to provide trusted financial and advisory services.With continued growth and investment in people, the finance function plays a key role in maintaining strong client relationships and supporting business performance. They are now looking to appoint a Credit Controller to join their Cardiff team on a hybrid basis.Your new role \nAs a Credit Controller, you will play a key role in managing client accounts and ensuring the timely collection of outstanding debt, while maintaining strong client relationships.Your responsibilities will include:\n\nManaging and monitoring outstanding balances across client accounts\nChasing overdue payments via phone, email, and written communication\nNegotiating payment plans with customers where required\nAllocating payments and reconciling customer accounts\nInvestigating and resolving payment discrepancies and queries\nSupporting monthly reporting on aged debt, cash flow, and payment trends\nWorking closely with internal teams to resolve credit-related issues\nEnsuring processes align with company credit control policies and proceduresThis is a hands-on and relationship-focused role, offering exposure to both transactional processes and stakeholder engagement.What you'll need to succeed \n\nPrevious experience in credit control, accounts receivable, or collections\nStrong understanding of debt collection and credit management processes\nExcellent communication and negotiation skills\nAbility to handle difficult conversations professionally\nStrong attention to detail and organisational skills\nGood working knowledge of Excel and finance systemsWhat you'll get in return \n\nCompetitive salary\nHybrid working model\n25 days annual leave + bank holidays\nBuy/sell holiday scheme (up to 30 days)\nChristmas business closure\nLife assurance (4x salary)\nEnhanced pension and family leave policies\nEmployee Assistance Programme\nAccess to a flexible benefit platform (health, dental, cycle to work etc.)\nSupportive and collaborative working environmentWhat you need to do now \nIf you're interested in this role, please click 'Apply Now' or contact at Hays Accountancy & Finance on (phone number removed) for a confidential discussion. \n\nHays Specialist Recruitment Limited acts as an employment agency for permanent recruitment and employment business for the supply of temporary workers. By applying for this job you accept the T&C's, Privacy Policy and Disclaimers which can be found at (url removed)

Your new company \nYou will be joining a well‑established housing organisation based in Cardiff, recognised for its strong community focus, collaborative culture, and commitment to delivering high‑quality services.Due to increased workload and ongoing projects within the finance function, they are now looking to appoint a Finance Officer on a 12‑month fixed‑term contract. This is an excellent opportunity to gain broad exposure across a professional finance team within a supportive and purpose‑driven environment, offering hybrid working.Your new role \nAs a Finance Officer, you will play a key role in maintaining financial accuracy and supporting the day‑to‑day running of the finance function. You will be involved in both transactional finance and reporting activities, working closely with the wider team.Your responsibilities will include:\n\nManaging income processes, including invoicing, income allocation and collections\nSupporting expenditure processing, including supplier invoices and payments\nReconciling purchase and sales ledgers, ensuring accuracy and completeness\nMaintaining accurate records across accounts payable and receivable\nMonitoring debtor balances and supporting credit control activities\nAssisting with month‑end processes, including reconciliations and reporting\nPreparing reports such as aged debtors/creditors and cashflow information\nSupporting improvements in finance processes, systems and controls\nWorking with internal stakeholders to resolve discrepancies and queriesWhat you'll need to succeed \n\nPrevious experience within a finance, accounts or transactional role\nStrong understanding of reconciliations, invoicing and ledger processes\nHigh attention to detail and accuracy\nGood organisational skills and ability to manage multiple priorities\nStrong communication skills and ability to work collaboratively\nExperience using finance systems and Microsoft Excel\nAAT qualification or studying is desirable but not essentialWhat you'll get in return \n\nSalary of £27,000 - £30,000 per annum\n12‑month fixed‑term contract offering valuable experience\nHybrid working arrangements\nSupportive and collaborative finance team\nOpportunity to gain exposure across multiple areas of finance\nPotential to develop skills in reporting, analysis and process improvement\nCompetitive benefits packageWhat you need to do now \nIf you're interested in this role, click 'Apply Now' to submit your CV, or contact at Hays Accountancy & Finance on (phone number removed) for a confidential discussion.If this role isn't quite right for you but you're exploring new opportunities, please feel free to get in touch to discuss your career options.\n\nHays Specialist Recruitment Limited acts as an employment agency for permanent recruitment and employment business for the supply of temporary workers. By applying for this job you accept the T&C's, Privacy Policy and Disclaimers which can be found at (url removed)

Vertical Transportation Consultant\n\nLocation: Cardiff (Hybrid / Field‑based depending on client needs)\n\nSector: Lift & Escalator Consultancy / Engineering\n\nEmployment Type: Full‑time\n\nRole Overview\n\nAn excellent opportunity has arisen for an experienced Vertical Transportation Consultant to join a growing consultancy team. The role combines technical assessment, design, project management and client account management across a range of lift and escalator projects. You will work closely with major clients, contractors and internal teams to deliver high‑quality consultancy services.\n\nKey Responsibilities\n\nConduct site surveys, evaluations and condition assessments of lift and escalator installations\nProduce clear, accurate client reports with recommendations and technical solutions\nPrepare technical and performance specifications for refurbishment and new installations\nAnalyse contractor proposals and compile tender evaluation reports\nManage projects from design through to installation and completion\nCarry out quality audits on existing installations and produce maintenance reports\nUndertake principal designer duties in line with relevant regulations\nManage client accounts, ensuring contractors deliver agreed services\nPrepare fee proposals, handle invoicing and support credit control activities\nSupport business development by identifying and generating new clients and projects\nProduce Excel‑based reports, graphs and data analysis\nProofread technical documentation and ensure accuracy\nAssist with debt chasing where required\nSupport completion of PQQs, tender documents and related submissionsEssential Criteria\n\nPrevious operational experience within the lift industry\nBTEC HNC (Mechanical or Electrical) or higher engineering qualification\nExperience managing major national client accounts or portfolios\nKnowledge of MF/1 contract documentation\nStrong background in vertical transportation (lifts/escalators)\nProficient in Microsoft Excel\nExperience in lift management and contractor oversight\nCommercial awareness, including sales or client‑facing experience\nHealth & Safety qualification (minimum EOR202 - Safe Working on Lifts)\nProven ability to produce high‑quality client reportsDesirable Criteria\n\nExperience conducting traffic analysis\nQualified and experienced Lift Engineer (NVQ4 Technician or equivalent)Benefits\n\nA competitive salary and benefits package is available, including:\n\nMinimum 33 days holiday (including public holidays)\nContributory pension scheme\nLife assurance\nSalary exchange options (holiday buy/sell, cycle to work, pension schemes)\nIncentive schemes\nWellbeing support including EAP, dental and occupational health\nHybrid or home‑working options depending on role\nCompany car or car allowance (role‑dependent)\nPrivate medical insurance (role‑dependent)Diversity & Inclusion\n\nThe organisation is committed to creating an inclusive workplace and welcomes applications from individuals of all backgrounds, identities and experiences. All employees are expected to uphold the company's values and code of ethics.\n\nShould you require any support or assistance, please contact your local Gi Group office.\n\nGi Group Holdings Recruitment Limited are proud founding members of Menopause in business, corperate members for Neurodiversity in business, Disability Confident committed members, Gold status for the Armed Forces Covenant, Bronze trail blazers for Racial Equality matters and Age Freindly Employer pledge members. \n\nGi Group Holdings Recruitment Limited group of companies includes Gi Recruitment Limited, Draefern Limited, Gi Group Recruitment Ltd, INTOO (UK) Limited, Marks Sattin (UK) Limited, TACK TMI UK Limited, Grafton Professional Staffing Limited, Encore Personnel Services, Gi Group Ireland Limited and Kelly Services (UK) Ltd. Gi Group Ireland Limited are acting as an Employment Agency in relation to this role.\n\nWe are committed to protecting the privacy of all our candidates and clients. If you choose to apply, your information will be processed in accordance with the Gi Group Privacy Statement. To view a copy and to help you understand how we collect, use and process your personal data please visit the Privacy page on our Gi Group website

Your new company \nYou will be joining a well-established and highly regarded organisation based in Cardiff, known for its collaborative culture, strong operational values, and commitment to continuous improvement.Due to a period of change within the finance team, they are now looking to appoint an Accounts Assistant on a fixed-term basis to support the smooth running of financial operations. This is a fantastic opportunity to gain broad exposure across a professional finance function within a supportive and forward-thinking environment.Your new role \nAs an Accounts Assistant, you will play a key role in the day-to-day running of the finance function, supporting both transactional and administrative processes. Your responsibilities will include:\n\nProcessing supplier invoices and ensuring accurate coding across the general ledger, cost centres, and projects\nMonitoring the finance inbox and responding to internal and external queries\nPreparing supplier payment runs and supporting timely payments\nReconciling supplier statements and resolving discrepancies\nAllocating incoming payments and maintaining accurate sales ledger records\nMonitoring debtor balances and supporting credit control activities where required\nProcessing bank transactions and performing regular bank reconciliations\nSupporting staff expenses and company credit card administration\nAssisting with journals, accruals, and general finance processes\nProviding general administrative support across the finance team\nSupporting compliance processes where requiredThis is a varied and hands-on role, offering strong exposure across both accounts payable and receivable, making it ideal for someone looking to develop a broad understanding of finance operations within a busy and dynamic organisation.\nWhat you'll need to succeed \n\nPrevious experience within a finance or accounts administration role\nExperience processing invoices or supporting accounts payable processes\nStrong attention to detail and a high level of accuracy\nGood organisational skills with the ability to manage multiple tasks\nStrong communication skills and the ability to work collaboratively across teams\nConfidence using finance systems and Microsoft ExcelWhat you'll get in return \n\nSalary of circa £28,000 per annum\n18-month fixed-term contract offering stability and valuable experience\n35-hour working week supporting work-life balance\nGenerous annual leave allowance\nPension and additional employee benefits\nOpportunity to gain broad experience across a finance function\nSupportive and collaborative working environmentWhat you need to do now \nIf you're interested in this role, please click 'Apply Now' to submit your CV, or contact at Hays Accountancy & Finance on (phone number removed) for a confidential discussion.If this role isn't quite right for you but you're exploring new opportunities, please feel free to get in touch to discuss your career options.\n\nHays Specialist Recruitment Limited acts as an employment agency for permanent recruitment and employment business for the supply of temporary workers. By applying for this job you accept the T&C's, Privacy Policy and Disclaimers which can be found at (url removed)

Why Join Firstco: A Place Where You Can Thrive Firstco is more than a workplace; it's a space where you can grow, innovate, and make a real impact. We don't just offer jobs; we offer careers that are rich in opportunities and experiences. • Grow Your Career: Embrace the opportunity for professional advancement with access to expert coaching and mentoring. We support your ambition to join professional bodies, covering membership fees, and offer pathways to achieve professional registration and chartership. Your career aspirations are our priority., • Your Health and Future: Prioritise your health with our Medi-Cash Scheme that reimburses a range of health-related expenses. Plan for your future with a generous pension scheme where Firstco matches contributions up to 6% for senior staff and find peace of mind with our life insurance policy offering significant financial security for your dependents., • Being Social: Connect and contribute through our active charity support and sponsorship initiatives. Participate in diverse social activities organised by our dedicated social committee, from thrilling escape rooms to relaxing picnics. Celebrate milestones with us at our grand Christmas parties and summer gatherings., • Additional Benefits: We value your dedication and reward it with an increasing leave allowance, reaching up to 30 days plus bank holidays dependent on service duration. Benefit from supportive maternity and paternity leave policies, commute easier with our season ticket loan scheme, and earn from our generous referral program. Enroll onto our cycle scheme for a healthier, eco-friendlier commute., • Continuous Learning: In addition to ongoing training required to fulfil your role, you will also receive a commitment to your ongoing development with an additional £500 annual credit for training or events of your choice reinforcing our dedication to your continuous learning and professional evolution. At Firstco, we don't just offer a job; we offer a pathway to a fulfilling career, a healthy life, and a vibrant community. Job Purpose Firstco, are a UK based systems engineering company, specialising in mission-critical control and communication systems within transportation environments. We’re currently recruiting for a range of Control Systems Engineers. This is a great opportunity to join a forward-thinking company and gain controls experience in a highly regulated environment. Firstco is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. Example Duties and Responsibilities Applications are open to engineers with at least 5 years of control systems experience. We’re ideally looking for candidates who have experience in some (but not necessarily in all) of the following areas: • System design (Specifications, Drawings, Registers), • System development (Software development, Hardware Configuration), • Test and commissioning (FAT, SAT, System Migration), • On-site implementation of systems, • Contributing to assurance and requirements traceability activities Due to the nature of Firstco’s projects, some works will be required to be undertaken over night shifts or weekends to meet operational constraints. This will be occasional and planned activity, with the role being predominantly weekday-based. Desired Skills and Qualifications Bachelor’s degree in STEM subject or related field - Applicable experience may be substituted for the degree requirement Candidates must be UK residents and be eligible to meet strict security vetting procedures which include employment or education references for the last 5-years. Main place of work: Central London / Heathrow Airport / Hybrid Working Please be aware that we do not offer sponsorship or visa assistance for this role.

Manage and collect outstanding debts through phone and email, maintaining a professional and effective credit control system. At least 12 months of recent experience as a Credit Controller within a law firm. Your experience working in credit control in the legal field is highly sought after by our c

When you join Turnitin, you'll be welcomed into a company that is a recognized innovator in the global education space. For more than 25 years, Turnitin has partnered with educational institutions to promote honesty, consistency, and fairness across all subject areas and assessment types. Turnitin products are used by educational institutions and certification and licensing programs to uphold integrity and increase learning performance, and by students and professionals to do their best, original work. Experience a remote-first culture that empowers you to work with purpose and accountability in a way that best suits you, supported by a comprehensive package that prioritizes your overall well-being. Our diverse community of colleagues are all unified by a shared desire to make a difference in education. Turnitin is a global organization with team members in over 35 countries including the United States, Mexico, United Kingdom, Australia, Japan, India, and the Philippines. We are seeking a detail-oriented and proactive Treasury Accountant to support daily cash management, banking transactions, and treasury operations. The role ensures the company maintains adequate liquidity, accurate cash reporting, and strong compliance with internal controls and regulatory requirements. The role includes responsibility for KYC documentation, maintaining strong banking relationships, managing intercompany payments, and supporting various ad hoc treasury initiatives that enhance financial efficiency and compliance. Key Responsibilities: • Maintain strong relationships with banking partners, including day-to-day issue resolution., • Monitor liquidity levels across global entities and ensure adequate funding., • Coordinate the opening, closing, and modification of bank accounts and authorized signatories., • Review and optimize banking services, fees, and account structures to support business needs., • Serve as the primary contact for bank relationship managers on operational matters., • Manage and compile required KYC documentation for banks and financial institutions., • Assist with monitoring foreign currency exposures related to cash and intercompany activity., • Ensure timely submission of compliance documents, certificates, and regulatory information., • Maintain an organized database of KYC records and support compliance reviews or audits., • Ensure treasury activities comply with internal policies and external regulations., • Coordinate and process intercompany fund transfers in accordance with company policies., • Maintain accurate records of intercompany loans, balances, and settlements., • Coordinate Letter of Credit applications., • Support implementation or enhancement of treasury systems, banking platforms, or automation tools., • Assist with cash pooling, centralization, or process improvement initiatives., • Participate in internal audits, external audits, or special treasury-related reviews., • Contribute to policy updates, treasury procedures, and internal control enhancements. Qualifications/Experience/Skills: • Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or related field., • 3 years of experience in treasury, finance, accounting, or banking., • Experience managing global cash operations, banking relationships, and treasury systems., • Strong analytical and numerical skills, • Proficient in MS Excel and comfortable working with financial data., • High level of accuracy, organization, and attention to detail., • Excellent communication skills, especially with external banking partners., • Ability to handle confidential information with integrity., • Proactive mindset and ability to handle multiple tasks under tight deadlines. Total Rewards @ Turnitin At Turnitin, we believe Total Rewards go far beyond pay. While salary, bonus, or commission are important, they’re only part of the value you receive in exchange for your work. Beyond compensation, you’ll experience the intrinsic rewards of unleashing your potential and making a positive impact on global education. You’ll also thrive in a culture free of politics, surrounded by humble, inclusive, and collaborative teammates. In addition, our extrinsic rewards include generous time off and health and wellness programs that provide choice, flexibility, and a safety net for life’s challenges. You’ll also enjoy a remote-first culture that empowers you to work with purpose and accountability in the way that suits you best, all supported by a comprehensive package that prioritizes your overall well-being. Our Mission is to ensure the integrity of global education and meaningfully improve learning outcomes. Our Values underpin everything we do. • Customer Centric: Our mission is focused on improving learning outcomes; we do this by putting educators and learners at the center of everything we do., • Passion for Learning: We are committed to our own learning and growth internally. And we support education and learning around the globe., • Integrity: Integrity is the heartbeat of Turnitin—it is the core of our products, the way we treat each other, and how we work with our customers and vendors., • Action & Ownership: We have a bias for action. We act like owners. We are willing to change even when it’s hard., • One Team: We strive to break down silos, collaborate effectively, and celebrate each others' successes., • Global Mindset: We consider different perspectives and celebrate diversity. We are one team. The work we do has an impact on the world. Global Benefits • Remote First Culture, • Health Care Coverage*, • Education Reimbursement*, • Competitive Paid Time Off, • Self-Care Days, • National Holidays*, • 2 Founder Days + Juneteenth Observed, • Paid Volunteer Time*, • Charitable contribution match*, • Monthly Wellness or Home Office Reimbursement/*, • Access to Modern Health (mental health platform), • Parental Leave*, • Retirement Plan with match/contribution*, • varies by country Seeing Beyond the Job Ad At Turnitin, we recognize it’s unrealistic for candidates to fulfill 100% of the criteria in a job ad. We encourage you to apply if you meet the majority of the requirements because we know that skills evolve over time. If you’re willing to learn and unleash your potential alongside us, join our team!

Salary: £25,000 per annum (£25,500 on probation pass) Role type: Permanent Location: Remote First with requirement to attend an office day in Peterborough once a month Reports to: Repairs Manager, Operations About Hometree Join Hometree Group and be at the forefront of transforming the residential energy landscape. Founded in 2015, Hometree began its journey in the home cover market. Today, we are spearheading the shift towards a future where home energy systems are decentralised, digitised, and reliant on renewable sources such as heat pumps, solar panels, batteries, EV chargers, and smart controls. This innovative approach is not just about sustainability; it's about empowering homeowners to manage their energy more efficiently and cost-effectively, thereby setting new standards in energy consumption. We operate across three dynamic divisions: Financial Services: Here, you'll contribute to offering flexible financing options that make it feasible for homeowners to embrace renewable energy technologies and make essential upgrades. Energy Services: Be part of our extensive network of local installation businesses that equip homeowners with the cutting-edge, sustainable energy solutions necessary for reaching net-zero emissions. Home Services: Help maintain the comfort and functionality of homes with comprehensive coverage plans that protect the essential hardware in the home. At Hometree Group, we are committed to guiding UK homeowners on their journey towards more sustainable energy solutions, and we need passionate individuals to support them at every step. Join us during this exciting time, and play a pivotal role in a business that supports sustainable homeownership in alignment with their readiness and needs. Key Achievements 🏆 £85m+ Capital Raised - We’ve raised over £85m to-date from leading global investors including Legal & General Capital and specialist energy VCs 🏆 6 Acquisitions - We've expanded our operations by acquiring four key companies across financing (Hometree Finance - formerly Bewarm), home cover (Your Repair) and installations energy services (GreenGenUK, Geowarmth, The Little Green Energy Company and IMS) 🏆 100k Homes Covered - We cover over one hundred thousand homes across the UK 🏆 280+ Employees - We have over 280 passionate employees transforming the industry across the Group, one home at a time The Role We’re looking for organised, proactive individuals who thrive in a fast-paced, evolving environment. The Repairs Team is central to our operations, managing customer repair requests across heating, plumbing, electrics, and appliances. Acting as the key link between customers, engineers, and suppliers, you’ll ensure issues are resolved efficiently and cost-effectively. While we work remotely, you’ll need to be based in or near Peterborough to attend monthly in-person team meetings. Shift patterns available Full time (37.5 hrs) 7.5 hour shifts on rotation, with working hours between 8:00-19:30 (including 1 full weekend in 3-4 on rotation). Responsibilities: Scheduling: Schedule appointments for engineers to attend customers’ properties to evaluate and resolve problems, liaising with both engineers and customers to find a suitable time. Inbound Calls: Take inbound calls from engineers on-site to assist them with their queries and provide live support. You might be required to take customer calls depending on the demand and the business requirements. Cost control process: Work through the cost control process with engineers, ensuring that repairs are completed efficiently and economically. Appointment scheduling: Check appointments are taking place as scheduled, and where they are not, update the customer and reschedule at the earliest opportunity. Assess engineer reports following the completion of a visit to determine next steps. Ordering: Order parts when needed, scheduling subsequent engineer visits where necessary to complete a fix. Outbound Calls: Make outbound calls to keep customers informed as to the status of their claim through each step until it has been resolved to their satisfaction, and communicate claim rejections to customers, explaining the reasons and exploring alternative solutions if applicable. Support: Support other operations teams when they reach out to get more information on repairs or claims. Collaboration: Work with our Network team to keep them informed about our engineers’ needs and requests and work with our Tech and Product teams to improve existing processes and tools and improve the automation of our processes. What we’re looking for Our ideal colleague will exhibit all of the following attributes: Experience: 12+ months working in a fast-paced Operations team with high volumes and multiple systems. Organisation: Highly organised and able to prioritise operational tasks for the best customer output. Initiative: A self-starter with a customer-centric mindset who gets a kick from resolving customers' problems. Decision-making: Confidence in making decisions and clearly communicating the reasoning and process behind the outcome. Discipline: Disciplined and organised with a keen eye for detail and an ownership mindset, ensuring no stone is left unturned in delivering great service. Multitasking: Enjoy multitasking and comfortable switching between calls, emails, systems, and tasks. Interpersonal skills: Strong interpersonal skills with an engaging and empathetic manner when communicating on the phone, in person, or in writing. Resilience: Resilient and able to handle difficult situations calmly and assuredly with customers over the phone, working to find the best outcome. Team player: Positive attitude, enjoys working collaboratively to resolve issues, and stays calm and focused on resolving the issue for customers and engineers. Extra Credit: Similar experience in insurance, maintenance and repairs company Our Recruitment Process: Please amend the below to the interview process you have for this role. Initial Call: Start with an introductory call with our Junior Talent Acquisition Specialist to discuss the role and your potential fit. (30 mins) Skills-Based Interview: Engage in a detailed discussion about your past experiences with our Repairs Manager (1 hr) Final Interview: Final interview with a member of senior management or our senior leadership team (30mins) We have an ever expanding list of benefits that currently includes: 33 days holiday inclusive of bank holidays pro rata plus your an extra day for your birthday Flexible remote working - with requirement to attend our Peterborough office on a monthly basis Free boiler & home emergency cover with Hometree plus 40% discount for friends & family Discounted gym membership across over 100 UK gyms (independent and chains) and free fitness, wellness and nutrition apps. £300 Home office allowance Support for your mental health and wellbeing via _ Menopause support from _, including friends & family access Cycle to work scheme Regular team socials including Summer and Winter parties. FCA Code of Conduct At Hometree, we prioritise ethical conduct and regulatory compliance. As a regulated financial services organisation, we operate under the strict guidelines and regulations set forth by the Financial Conduct Authority (FCA). We are committed to maintaining the highest standards of integrity and professionalism in all aspects of our business. As a prospective member of our team, you will be expected to fully embrace and adhere to the FCA Code of Conduct obligations. These obligations are designed to ensure the fair treatment of customers, the preservation of market integrity, and the promotion of healthy competition within the financial services industry. Equal Opportunity Employer At Hometree, we are committed to creating an inclusive and representative environment. We know that different experiences, perspectives and backgrounds make for a better workplace and a better planet. Together, we celebrate differences and promote a culture where you can bring your full self to work. We promise to give you the same opportunities as everyone else and we won't discriminate against you at any point in the hiring process or the working day. This includes how we source talent, our interview process, our conditions of employment, feedback and everything in between.

PositionSenior Treasury Risk Analyst GroupNBKI London Reports ToEnterprise Risk Lead Direct ReportsNone Internal Relationships • NBKI management and staff, • Treasury, Treasury Back Office / Operations, Finance, and Risk, • NBKI management committees including Asset & Liability Committee (ALCO), • Group at NBK External Relationships Occasional work with external and internal auditors Number of full-time equivalent employees: 1 GradeIBG06 Job Purpose Supporting the Risk team and delivering on NBKI’s Business Strategy by supporting the provision of a robust second line of defence (oversight, review, and challenge) of Treasury activities/risks. The role of the Treasury Risk Senior Analyst will be to support the Treasury Risk Manager in delivering effective second-line oversight of all aspects of Treasury risk, including asset and liability management (ALM) & interest rate risk in the banking book (IRRBB), liquidity risk, and foreign exchange risk; and support the Operational Risk function in aspects of their work relating to Treasury functions. The incumbent must assist in the below activities: • Supporting the embedding of the bank’s risk management framework into its Treasury operations and processes, • Maintaining a governance and controls framework based on a delineated three lines of defense model., • Improving controls around treasury and treasury operations and helping to finalise the treasury target operating model., • Support on adequate management of IRRBB, FX Risk, Liquidity Risk (e.g., LCR, NSFR) and capital management., • Building mathematical models and analysis of ALM & IRRBB and Liquidity Risk., • Increase process efficiency through process automation and use of programming languages., • Assist in improving the quality, timeliness, and accuracy of risk-related MI, which supports strategic decision-making and risk management practices., • Supporting with the production and delivery of risk-related MI and reports for internal and external stakeholders (including the Board, ALCO, regulators, credit rating agencies, etc.)., • Providing oversight and validation of Treasury related Models, spreadsheets/macros, etc. (e.g., Funds Transfer Pricing, cash flow forecasting and liquidity models);, • Working collaboratively with Treasury (and other areas of the Bank) to support revenue-generating initiatives within the Bank’s risk appetite (including providing 2nd line monitoring and oversight of risk management practices and providing the business with a view as to ‘good practice’); and, • Assist on producing key regulatory documents, including the ILAAP, ICAAP, Recovery Plan and RAS., • Provide new analytics, tools and insights as and when the demand arises for them. This includes demand from Risk, Treasury and Financial Control. Day-to-day responsibilities: • Monitoring and reporting on Treasury’s compliance/performance concerning the Treasury Risk Management Framework., • Enhancing the controls environment/practices (preventative and detective controls);, • To raise concerns about practices, behaviors, and possible breaches of policies and guidelines to the Manager – Treasury Risk, Head of Treasury Risk and/or the CRO., • Provide forecasts and unique insights to support Treasury and Risk decision-making., • Assist in developing the tools and measures to ensure the bank has meaningful insights into its Interest Rate Risk, Liquidity, Capital and regulatory positions., • Creating and maintaining risk registers/logs and overseeing the closure of open action points., • Updating the department on domestic and international developments and events that could impact Treasury-related practices (e.g., Banking Committee of Banking Supervision good practice guidelines, etc.) and raising awareness and act on the knowledge. Qualification & Experience (1) Qualifications: University degree (minimum UK 2:1 or equivalent - Masters level qualifications preferred) in a quantitative discipline (e.g., mathematics, accounting, economics, computer science, engineering etc.); Appropriate formal risk qualification is highly desirable. (2) Experience: - Intermediate level post-graduate with 5 years’ experience in risk management (or consultant) or ALM • Experience in a banking or financial institution (Risk, Business Portfolio Analysis or Finance), including market risk and / or liquidity risk regulatory calculations and production of management information and reports;, • Good appreciation of interest rate risk and liquidity risk modelling., • Broad familiarity with stress-testing (regular and episodic e.g., ILAAP, ICAAP)., • Familiarity with the operations of prudential risk management., • Skilled in the visualisation of data and selecting appropriate chart types to inform management, • Good communication skills, and the ability to write and speak on technical issues to a non-technical audience, • Knowledge of statistical and mathematical concepts such as Monte-Carlo and time series models., • Skilled with Microsoft Excel, including creation of spreadsheets. Experience of MS-Access and/or SQL development would be helpful., • Risk data quality and management, • Exposure to “R” and “Python” for coding

Group Billings Senior Job type – Full time, 40 hours per week Contract type – Permanent Hybrid working – 2 days office – 3 days working from home (after successful probation) Location- Guildford, Surrey Closing Date: 17th August 2025 About us K2 Corporate Mobility is a leading B2B provider of comprehensive global mobility services to multi-national companies relocating their most valued employees. We manage and broker services through our global partner network and operate as a true business partner – an extension of our clients’ HR functions. We uniquely provide genuine single point of contact accountability for HR teams and assignees throughout the international relocation process. Headquartered in Guildford, UK, K2 serves every location worldwide via our regional hubs located in North America, Europe, Scandinavia, Middle East, Africa, Asia and Australia. Managing a global network of over 1,000 specialist approved partners worldwide, K2 specialises in delivering an extraordinarily high standard of service on every assignment. Our skilled teams deliver international mobility support to blue chip clients across all continents, supporting HR teams in over 15 industries- from financial services to global retailers. We’re independent, ambitious, entrepreneurial, diligent go-getters and we believe in delivering only the best for our customers. What sets us apart is our people. We employ the best and allow them to be the best they can be. K2 has the unique family feel, and the successful candidate will not just be joining a company, but also the K2 Family. Why we need you.. At K2 Corporate Mobility, we believe that our people are our greatest asset. We are looking for a dedicated and detail-oriented individual to join our team as a Group Billing Senior. Your expertise in billing operations, combined with your ability to mentor and guide a team, will be crucial in ensuring our billing processes are accurate and efficient. You will be joining a dynamic and collaborative team that values innovation, precision, and a strong sense of ownership. If you are someone who thrives in a fast-paced environment, has a keen eye for detail, and is passionate about delivering exceptional service, we would love to have you as part of the K2 family. Therefore, if you possess the K2 family spirit and ethics and has the necessary skills to perform the above role as detailed in the experience section, please apply submitting a CV and covering letter. More information can be found at: _ If you want to know more about our people and culture visit our LinkedIn and Twitter pages #K2corporatemobility The Role The Group Billing Senior is responsible for supporting the Group Billing Manager on delivering monthly billing targets. This involves supporting and guiding the team as well as providing training where required. Ensuring the team are meeting required KPI’s Reporting to the Group Billing Manager, the Group Billing Senior will work and support various key stakeholders to ensure service delivery is being met. Providing reports and updates on a regular basis Main Duties and Responsibilities • Supervise and manage day-to-day billing operations to ensure accuracy and compliance with company policies., • Review invoices for completeness and accuracy and generate complex billing clients regular reporting, • Act as a first point of escalation for complex or non-standard invoicing cases, • Reconcile billing discrepancies and resolve customer billing issues promptly., • Collaborate with internal teams, including Finance, Sales, and Customer Service, to ensure seamless billing processes., • Develop and implement best practices to streamline billing procedures., • Maintain standard operating procedures (SOPs), client-specific billing instructions, and training materials, • Train and mentor Billing Coordinator staff, providing guidance and support as needed., • Prepare and analyze billing reports and provide insights to management., • Ensure compliance with applicable laws and regulations related to billing and financial reporting., • Provide supporting documentation for auditors Experience: Skills /Abilities & Knowledge • Strong billing experience in a multi-client or multinational environment, • Attention to detail and a strong sense of ownership over invoice accuracy, • Interpersonal skills., • Able to manage workload independently and act as a mentor to junior team members., • Ability to communicate effectively face to face or in writing and able to adapt your communication style relevant to the level., • Ability to motivate oneself, other individuals (within the team and the wider K2 family) & the team., • Effective organisation and delegation skills., • Forward planning and strategic thinking, with the ability to realize objectives into fruition., • Commercial awareness., • Ability and knowledge of mentoring, to bring the best out in individuals., • Knowledge of credit control., • Knowledge of general accounting procedures., • Ability to meet deadlines., • Adaptable to change and works well under pressure. Training and Education • Experience in the complex billing environments with global operations., • Knowledge of financial regulations and compliance standards., • Proficiency in Microsoft Excel and other financial analysis tools. Benefits 25 days annual leave increasing with years of service Birthday leave Enhanced Maternity & Paternity pay Remote working policy Private Medical Insurance after 1 years’ service Death Inservice (x4 times salary) Electric Car scheme Role related Bonus Company Cash Plan Great Place To Work® Boilerplate At the beginning of 2025, K2 was recertified globally as a Great Place To Work®. _ is the global authority on workplace culture. To obtain the Great Place To Work® accreditation, a company must show that everyone who works for them has a consistently positive experience. They must prove that their leaders are caring and foster an environment in which everyone has a purpose, can contribute new ideas, and is able to access the resources that they need to thrive in their role. As part of the Great Place To Work® certification, companies are scored within areas including trust, values, and leadership. K2’s Trust Index score is 90%, our Values score is 88%, and our Leadership Effectiveness score is 92%. These scores provide us with further proof that we have built a business which nurtures, inspires and challenges our people, giving them everything they need to perform at the highest level. The result? A passionate team, perfectly positioned to deliver an exceptional customer experience. K2 are a Disability Confident Committed Employer. Equal Opportunities: K2 has a strong commitment to achieving equality of opportunity and expects all employees to implement and promote this in their own work. Health and Safety: K2 is committed to a healthy and safe working environment and expects all its employees to implement and promote its policy in all aspects of their work. All candidates require proof that they have the right to work. Satisfactory references will be required and undertake a pre-employment health check. Please contact the HR team at _ if you need reasonable adjustments to participate in the recruitment process. We look forward to hearing from you.

At Informa, no two days and no two people are the same, and you'll find the freedom, opportunity and support of a fantastic community to make a real impact. We’re an international business that connects specialists with knowledge, helping them to learn more, know more and do more through live and on demand events, digital and data-driven services and academic research. We are home to over 10,000 colleagues across 30 countries and are a member of the UK’s FTSE 100 group of leading public companies. In Global Support, we provide expert guidance and hands-on support to the Informa Group and Informa’s many business teams. Across tech, finance, legal, corporate development, HR, communications, operations and many other areas, we work collaboratively and flexibly to help our brands serve their customers and help the company succeed. Location: Colchester Office (3 days per week) About the Role As a Customer Operations Specialist at Informa, you'll be the vital link between our organization and our valued clients. You'll deliver exceptional service that enhances our reputation while supporting both internal and external Publishing and Events customers. This role offers the perfect balance of customer interaction, problem-solving, and operational excellence. Your Impact You'll create outstanding customer experiences by: • Delivering our signature 'Gold service' standard to all customers, • Resolving inquiries efficiently through multiple communication channels, • Processing orders with precision while maintaining appropriate margins, • Building strong relationships with customers and internal teams, • Managing customer access to online resources and systems Core Responsibilities • Customer Communication: Handle inbound/outbound calls and correspondence professionally, • Order Management: Process and amend customer orders with accuracy and attention to detail, • Problem Resolution: Utilize relevant systems to address and resolve customer requests, • Data Management: Record customer information with precision, maintaining quality standards, • Access Management: Support customers with online access needs directly or through appropriate channels, • Financial Processing: Handle aspects of Order to Cash, including Cash Applications and Credit Control, • Relationship Building: Develop strong connections with business teams and customers, • Customer Service Excellence: Proven ability to deliver outstanding customer experiences, • Technical Proficiency: Strong skills in Microsoft Office (Excel, Word, Outlook) and SAP experience preferred, • Communication Skills: Excellent written and verbal communication abilities, • Problem-Solving Aptitude: Proactive approach to resolving issues efficiently, • Adaptability: Flexibility to adjust working hours based on service center requirements, • Attention to Detail: Precision in processing orders and maintaining records, • Teamwork: Collaborative mindset with ability to work effectively with diverse stakeholders We work hard to make sure Life at Informa is rewarding, supportive and enjoyable for everyone. Here’s some of what you can expect when you join us. But don’t just take our word for it – see what our colleagues have to say at _ Our benefits include: • Freedom & flexibility: colleagues rate us highly for the flexibility and trust they receive and most of us balance time in the office with time working remotely, • Great community: a welcoming culture with in-person and online social events, our fantastic Walk the World charity day and active diversity and inclusion networks, • Broader impact: take up to four days per year to volunteer, with charity match funding available too, • Career opportunity: the opportunity to develop your career with bespoke training and learning, mentoring platforms and on-demand access to thousands of courses on LinkedIn Learning. When it’s time for the next step, we encourage and support internal job moves, • Time out: 25 days annual leave, rising to 27 days after two years, plus a birthday leave day and the chance to work from (almost!) anywhere for up to four weeks a year, • A flexible range of personal benefits to choose from, plus company funded private medical cover, • A ShareMatch scheme that allows you to become an Informa shareholder with free matching shares, • Strong wellbeing support through EAP assistance, mental health first aiders, a healthy living subsidy, access to health apps and more, • Recognition for great work, with global awards and kudos programmes, • As an international company, the chance to collaborate with teams around the world We’re not solely focused on a checklist of skills. We champion energy and ambition and look for colleagues who will roll their sleeves up, join in and help make things happen. If it sounds like a match and you have most – although not all – of the skills and experience listed, we welcome your application. At Informa, you'll find inclusive experiences and environments where all perspectives and backgrounds are welcomed. As part of this approach and our diversity and inclusion commitments, we are also formally an Equal Opportunities Employer. This means we base decisions on relevant qualifications and merit and do not discriminate on the basis of key characteristics and statuses, including all of those protected by law. Ask us or see our website for full information. See how Informa handles your personal data when you apply for a job _.

About Portless At the intersection of technology and logistics, we're redefining global delivery for e-commerce. Portless is a dynamic 3PL provider revolutionizing direct-to-consumer fulfillment by shipping products directly from manufacturers in China to customers worldwide. With over 2.5 million cross-border packages shipped, 99.8% pick-and-pack accuracy, and 98% on-time delivery, we empower e-commerce brands to optimize operations and achieve 10x growth. Role Description As a Product Manager for Merchant Operations at Portless, you will own the end-to-end merchant experience from onboarding to ongoing operations management. Working hands-on with merchants, operations teams, and engineering, you'll design and optimize the tools and workflows that enable our customers to seamlessly manage orders, inventory, inbounds, and financing through our platform. This role requires a deep understanding of e-commerce operations and the ability to translate complex merchant needs into elegant product solutions. What You'll Do • Own Merchant Order Management: Design and optimize order routing algorithms, order processing workflows, and exception handling systems that maintain our 99.8% accuracy across millions of packages, • Drive Inventory Optimization: Build intelligent inventory management tools including demand forecasting, reorder point optimization, and multi-location inventory allocation across our China-based fulfillment network, • Streamline Inbound Operations: Create seamless inbound workflows from purchase order creation to inventory receipt, including quality control processes and inventory reconciliation, • Enhance Order Routing Intelligence: Develop smart routing algorithms that optimize fulfillment location selection based on inventory availability, shipping costs, and delivery speed requirements, • Build Purchase Order Management: Design comprehensive PO management tools covering supplier communication, production tracking, shipping coordination, and customs clearance workflows, • Innovate Financing Solutions: Partner with finance teams to create merchant financing products including inventory financing, cash flow optimization, and payment terms management, • Optimize Merchant Onboarding: Build self-service onboarding tools and workflows that enable merchants to quickly integrate their operations with our fulfillment platform, • Create Operational Dashboards: Develop merchant-facing analytics and reporting tools that provide visibility into inventory levels, order performance, and operational metrics What You'll Bring • E-commerce Operations Expertise: 3+ years of hands-on experience in e-commerce operations, inventory management, or merchant-facing product roles, • Order Management Experience: Deep understanding of order lifecycle management, routing algorithms, and exception handling in high-volume environments, • Inventory & Supply Chain Knowledge: Experience with inventory planning, demand forecasting, purchase order management, and inbound logistics workflows, • Merchant-Centric Mindset: Proven ability to understand complex merchant needs and translate them into intuitive product experiences, • Data-Driven Decision Making: Experience using operational data, merchant feedback, and performance metrics to drive product improvements, • Strategic-Boldness: Ability to think outside the box and drive innovative solutions in a dynamic, fast-growing environment, • Extreme Ownership: Demonstrated ability to take full accountability for results while working as part of a kind-and-caring team Nice to Have • China Sourcing Experience: Familiarity with China-based manufacturing, supplier management, and cross-border purchase order workflows, • 3PL/Fulfillment Background: Previous experience working with third-party logistics providers or fulfillment operations, • Financial Product Experience: Background in developing financing solutions, payment products, or cash flow management tools, • ERP/Inventory Systems: Experience with inventory management systems, ERP platforms, or China-based systems like Mabang, • Marketplace Operations: Knowledge of Amazon, Walmart, TikTok Shop, and other marketplace operational requirements, • Supply Chain Finance: Understanding of trade finance, letters of credit, and international payment systems, • **Previous startup or high-growth company experience in e-commerce or logistics technology Join our team of bold thinkers, builders, and problem-solvers dedicated to creating seamless fulfillment solutions that help merchants scale globally while optimizing cash flow and growth.

Flex is an innovative credit card that gives our customers unprecedented visibility and control over their spending, offering features like flexible instalment plans and instant app management. If you are passionate about using data and agile technology to solve real-world financial problems and cre

Flex is an innovative credit card that gives our customers unprecedented visibility and control over their spending, offering features like flexible instalment plans and instant app management. We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit

Ensuring processes align with company credit control policies and procedures. Previous experience in credit control, accounts receivable, or collections. They are now looking to appoint a Credit Controller to join their Cardiff team on a hybrid basis.

Are you an experienced Credit Controller looking to take ownership of the credit control function and play a key role in improving cash flow and reducing debtor days? We are seeking a proactive and commercially minded Senior Credit Controller to join our growing finance team in Cardiff. Proven exper

Article 16 mins read Updated on 23 January 2024 Partner - Corporate As your business evolves, securing the right financing becomes paramount. While setting up your company might seem straightforward, the complexities multiply significantly when you begin seeking investment. Understanding the various funding options and their implications is crucial for sustainable growth. This article is for business owners, founders, and entrepreneurs looking to finance their ventures. You’ll explore the fundamental differences between debt funding and equity financing, delve into a range of available options, from bootstrapping and personal savings to crowdfunding, angel investment, and venture capital, and understand the associated legal and tax considerations. We'll also highlight when and why seeking expert legal advice for each funding model is essential to protect your business. Navigating the fundraising landscape can be complex, and ensuring your business is legally sound throughout the process is key. For comprehensive guidance tailored to your specific funding needs, our team of funding round lawyers are ready to assist you. There are two fundamental ways of securing financing for your business: debt and equity. Generally speaking, you will nearly always need a business solicitor for equity financing, but not always for debt funding. Although we would always advise that you seek legal advice before entering into any debt funding documents in order to ensure that you are fully informed on the risks involved and obligations on the company. Debt funding is when your business borrows money from a lender, which will then have to be repaid, usually with interest. The advantages of debt funding are that: • The business owner retains control and interest in the company, and so profits more from any future sale or profits of the company, without equity shareholders laying claim to it., • The business owner also has control over how the debt funding is spent within the business. That said some debt funding is advanced for a specific purpose and the documents must be checked that there is no restriction on the use of the funds advanced., • It’s quick and relatively easy to get debt funding compared to equity funding., • The debt repayments are usually a known amount over a fixed term, allowing budget planning, and may also be tax‑deductible. The disadvantages are: • The debt must obviously be repaid and relies on sufficient cashflow to do so., • In addition, debt may restrict a company’s financial activities, increase its risk portfolio in the eyes of other lenders or investors, and may require company assets to be pledged as security for the loan. Equity funding is when you sell an interest (usually shares) in your business. The company’s value must be known, which is much more complex with start-ups, as there are often challenges in agreeing a valuation of the shares given that the company may not have anything tangible or a proven track record, other than a business concept. The advantages of equity financing are that: • There are no monthly loan repayments to be made from your cashflow, freeing up profits to be used elsewhere., • For early-stage businesses, equity investment typically comes in much larger amounts than that available via debt financing., • With equity funding, it’s more of a relationship than a simple transaction, so your business could benefit from mentoring, experience and business contacts, rather than just the cash. The disadvantages are that: • It takes more effort and time to raise capital than debt financing., • You’ll also be sharing ownership (and potentially decision‑making and thus control) with equity investors., • There is a greater administrative and reporting burden with equity finance to provide regular updates to investors, hold shareholders meetings and voting on certain company actions. Let’s start with the simplest and most straightforward sources for financing a business, progressing onto more complex business finance sources. • Bootstrapping – organic growth This can be difficult unless your business is a type which receives payment before it buys stock to fulfil orders, or deliver any goods or services. Quite simply, you start your business, and the profit you make on the first payment you receive can then be put straight back into the business for the next transaction. It’s slow going, but there is little to no risk and you won’t be paying anyone back for it. • Your savings Of course, the simplest way to finance your new business is to put your personal savings into it. But you may still need supplementary funding if your savings aren’t enough and your savings are not necessarily protected against any losses that may arise as a result of the failure of your business. As with organic growth, it may be a harder and slower route, but it doesn’t involve debt or issuing equity in your business. • Family If you have generous family, or even friends, willing to finance your new business, then this can be a great option. Money from family can take the form of either debt or equity financing. The interest on any such loan will likely be lower, and the terms less demanding, than a traditional source of funding such as a bank loan. Or, if you have set up a limited company, such family and friends may be willing to invest in your business in exchange for shares in your company, rather than provide funds by way of a loan. As with any investment, any investor should be made aware of the risk associated with the investment. • Personal credit: overdrafts and credit cards It’s risky, but it can be done – and has been done by many an entrepreneur. Using your overdraft or credit card is ok if you need a reasonably small amount of money for a short period of time. Of course, it’s not a good idea if you think you will be late with payments or may miss them: the interest is high as a medium‑to‑long term borrowing option and missing payments can affect your personal credit rating. • Crowdfunding or crowdsourcing Crowdfunding platforms have become very popular in the UK and there is now a broad range of platforms on which to raise funding, from simple donations to equity investment. Popular crowdfunding sites have included Crowdfunder, Crowdcube, Seedrs, Kickstarter, GoFundMe, and Just Giving. While social media can blow up any projects which capture the public’s heart, be aware that sometimes crowdfunding can raise all‑or‑nothing – with up to 80% of businesses being withdrawn from a platform after failing to raise their target amount. Further crowdfunding platforms will have an investment criteria that will need to be satisfied before the investment proceeds and can include detailed reporting requirements. • Grants and community schemes Often administered by local authorities, and sometimes region or industry‑specific, grants can give a useful financial bonus to businesses with a social or community benefit. They often come with access to business advisors and mentors, helping to foster regional economic growth with rounded support rather than just the cash. The selection process is rigorous though, as it is often ‘giving away’ public money as grants rather than loans to be paid back. Technically it is neither debt nor equity financing and can require some matched investment in order for the grant to be released. • Bank financing The most conventional way of financing your new business, a bank loan can be a simple way of getting together the money you need to get started and begin your first phases of growth. You’re not giving away shares in your business, but you are taking on debt, against which either your personal or business assets may be secured, and you may be required to provide a personal guarantee. However, the terms and payments will be clear from the outset, allowing you to budget and plan consistently. • Peer lending Peer to peer lending (P2P lending) is a form of debt financing. It uses the internet to match up borrowers with people or organisations who have money to lend – some of the most well‑known platforms are FundingCircle, Zopa, Money & Co., and RateSetter. The benefit for the lender is the high interest rate (often better than traditional savings options), but with the risk of losing their money, if it isn’t paid back by the borrower. As a funding option for businesses, peer lending is useful if you don’t have access to traditional sources of funding – but the interest repayments could be higher. • Joint ventures Incredibly popular in property development, finding a joint venture partner can be a useful way to raise finance if one party already has the cash. It’ll usually be a form of equity finance, with a partner putting up the money in exchange for shares in the new joint business. You both get to maintain your existing business entities while you agree to work together for a certain project or period of time – and leverage each party’s skills or assets to get the joint business off the ground and achieve growth. As with other funding options that pair your business with an investment partner, it can take time and effort to source the right joint venture partner with capital, and draw up the most beneficial type of agreement. • Business angels Another source of equity funding, business angels are entrepreneurs and investors who will agree to provide funding for your business in exchange for shares in the company. Investment amounts can vary greatly, as can the terms of a business angel’s investment. Just like venture capital, it can be difficult and time‑consuming to find the right business angel for you and your business, but you stand to benefit from a business angel’s business expertise and advice, as well as their investment. Useful places to start are the UK Business Angels Association and the UK Angel Investment Directory. There are also numerous regional business angel associations and networks too. You may find that accepting angel investment can result in your share cap table becoming overcrowded with numerous investors investing smaller amounts. Further angel investors often invest in companies that can offer them SEIS and/or EIS relief on their investment so the company will need to obtain advance assurance from HMRC in this regard. • Venture capital In our Venture Capital FAQs we explore more about venture capital, but it’s important to mention that not all companies are suitable candidates for venture capital funding. Venture capital funding can run into the millions, so you’ll need to be a high‑growth company with potential for massive return‑on‑investment (ROI) for your investors. Venture capital funding is usually given in exchange for shares in a limited company and is the hardest of all funding sources to secure, but it can be vital to making it big. Venture Capital investment often includes preferential rights in favour of the investor including preference shares. You will need to consider the terms of the investment to make sure they are suitable for you and your existing shareholder group. • Convertible loan notes Sometimes it can be very difficult for a start‑up to establish a valuation for the business so early on. However, due to their limited trading history, a new business may also be ineligible for traditional loans. This is where convertible loan notes come in. Convertible loan notes are a hybrid of debt and equity financing, although often still contain an interest element on the loan. The business gets a loan from the lender which can be converted into equity (rather than being repaid) – usually at a discounted share price, and on a trigger event like an exit (sale), further funding round or initial public offering (IPO). Convertible loan notes are particularly handy because they can be used across multiple investors, making it quicker and simpler for a business to draw down than the usual equity investment methods. They’re particularly attractive to investors because they bring additional security to the investment should the business fail, as in such cases the loan will be subject to repayment. Convertible loan notes are becoming much more common than in previous years. Investments as convertible loan notes are not eligible for SEIS or EIS relief and therefore may not be appropriate for all investors. • Advanced Subscription Agreements An investment under an advanced subscription agreement is similar to a certain extent to convertible loan notes, with the exception that the amount invested is not subject to repayment and there is no interest on the amount invested. Instead the amount invested under an advanced subscription agreement will be applied for shares on the occurrence of a trigger event, similar to that of a convertible loan note. The advantage of investment under an advanced subscription agreement is that it is eligible for SEIS/EIS relief subject to it being drafted in line with the guidance from HMRC. It’s important to note that there are many factors which can affect your business’s tax bills. The way your finance and funding comes into your business could be one of them. The type of legal structure you choose for your business could be another. This is why it can be really important to get independent legal advice from a tax lawyer – just to ensure you’re not paying too much tax, or, worse, to avoid being saddled with a surprise tax bill that legal advice could have prepared you for. Option Process Do you need a solicitor? If so, for what? Bootstrapping: organic growth Your business receives advance payment before outlaying anything for your products or services. Profits go into the next stage of the business. No, aside from any other legal advice you might need in the everyday course of running your business. Your savings Save your own money, put it into the business. No, but you might want to consider which legal structure of business can provide the best protection for your liability, and for which you can maximise the amount of profits you keep. Family Family and/or friends may lend or give you the money to fund a particular aspect of your business. Possibly, especially if it’s friends rather than family, or a less immediate family member, who is putting up the money. It’s advisable to have some kind of legally binding agreement in place, which is drafted (or at the very least checked) by a business solicitor, just in case things go awry. If friends/family are being issued with shares in the company in exchange for their investment it is recommended that a solicitor is instructed to draft the necessary paperwork. Don’t fall into the trap of leaving your business legally unprotected just because you have a close relationship. It is often the closest of family relationships that turn sour in business. Personal credit: loans and overdrafts) Take money as and when you need it from credit cards and overdrafts (within your credit limits) to be paid back later. No. But you may wish to seek advice from a financial advisor. Crowdfunding or crowdsourcing Pitching for funding from many individuals on a platform – either donation or rewards‑based, or investment in the form of equity (ie. shares) or debt (ie. a loan). It depends on the platform and the legal agreements on each one. You won’t normally need a solicitor for donation or rewards‑based crowdfunding. However, if you have intellectual property, it is best to get this legally protected before you make your idea public on a crowdfunding site – for this you will need an IP solicitor. Read the terms and conditions of any crowdfunding platform very carefully. Loan‑based and investment‑based types of crowdfunding are regulated by the Financial Conduct Authority because investors expect a financial return. Donation and reward‑based crowdfunding isn’t regulated. In the case of debt‑based crowdfunding, where you will be paying back the cash, or where you will be issuing shares in your company, it’s very important that you protect your business against claims from investors for poor disclosure or poor due diligence. You will need to ensure that any shares that are issued have followed the correct legal procedure and that the correct paperwork is in place to document this. You should also be fully apprised of the effects and consequences of any shareholder agreements entered into as a result of any investment or loans secured via a crowdfunding platform – so it pays to instruct a solicitor if this is the route you’re following. Grants and community schemes Find a relevant community scheme or grant that is applicable to your geographical area, type of business or industry sector, and follow the guidelines to apply. No, but the selection process is so rigorous that it may pay to have a solicitor help you prepare any documentation to strengthen your case, and show that you are compliant with any regulatory requirements. Bank financing Prepare a thorough business plan and present it to the bank. No, unless you are required to provide a personal guarantee (when it is usually obligatory to seek independent legal advice) or if the loan amount is a considerable sum and requires the company to enter into complex legal documents. Then it is advisable to seek advice from a banking and finance solicitor. Joint venture You may already have business contacts (or personal contacts) who you can approach as joint venture partners. It is often a case of networking via events and social media. You may also be able to source a joint venture partner via a broker, or just by simply searching the internet for joint venture partners. Yes. It is wise to get legal advice when drawing up any joint venture agreements, especially if you don’t already have a long‑standing relationship with the potential partner. Peer lending Each platform is different, but it commonly involves filling out your company details, and sometimes some financial statements. You may also have to submit business plans. Typically the platforms run checks on the company and individuals involved and matches you with a relevant lender – which may be an organisation or an individual. Probably. Even if the platform or service you’re using to find a lending match has its own vetting service, it’s still advisable to have a corporate solicitor double‑check and advise on any agreements you enter into. Business angel There are a number of different directories and associations where you can find business angels, and the process often involves identifying suitable investors and pitching to them until you are successful in securing investment. Yes. As with most equity financing, it is strongly recommended that you get legal advice when drawing up new shareholder agreements. Venture capital It can be a long and arduous process, from finding venture capital firms that invest in your industry and business stage, to getting a warm introduction from a mutual connection, and discussing the details of the investment. For more information, read our Venture Capital FAQs. Definitely, yes. Whenever you are issuing equity in your company, it is vital to get legal advice on your position, alter any existing documents and agreements, and draft the new ones. It’s advisable to seek a law firm with experience in dealing with venture capital investment. Convertible loan notes With the exception of banks, community schemes/grants, and personal credit, it’s possible that any type of corporate investor would consider convertible loans. The process would therefore be similar to attracting other equity investors such as a business angel or venture capital firm, or possibly even peer lenders. Yes. The convertible loan note agreement (including the complication of issuing equity upon a certain trigger event) will definitely need detailed legal advice. We talked with famed businesswoman Nicola Horlick, CEO of Money&Co., about debt funding via peer lending, and why it’s so attractive to investors: ‘Following the credit crunch, it became even harder for small companies in the UK to borrow money from banks. Nine years later, it is still difficult. But over the last few years, a new way of borrowing has emerged – P2P lending. Money&Co. is a P2P business lender and our platform allows savers who want a better rate of return on their cash to lend to companies that need the money to grow. Our credit team carefully vets borrower applications and, so far, we haven’t had any bad debts, which is pretty incredible. However, it is inevitable that there will be bad debts and lenders need to make sure that they spread their risk by lending to a number of businesses.’ ‘In 2016, the government introduced a new type of ISA – the Innovative Finance ISA. This allows lenders to hold their loans in an ISA wrapper and receive their interest payments completely tax‑free. Money&Co.’s ISA yields around 7% per annum after fees, which is very attractive. We are now seeing a number of savers transferring their Cash ISAs, which yield around 1%, to Money&Co. They get a better return on their cash and companies get to borrow money, so everyone wins. On average, our loans are for four years, but we have a loan market embedded within our website, so lenders can sell before the end of the term of each loan if they wish to do so.’ ‘P2P lending cuts out the middle man (the bank), which must be a good thing.’ About our expert Partner - Corporate Jas qualified as a solicitor in 2006. She has 12 years' experience working almost exclusively with start up companies, high growth potential SMEs, along with venture capitalists, other investment platforms and individual and corporate investors. #J-18808-Ljbffr

Article 16 mins read Updated on 23 January 2024 Partner - Corporate As your business evolves, securing the right financing becomes paramount. While setting up your company might seem straightforward, the complexities multiply significantly when you begin seeking investment. Understanding the various funding options and their implications is crucial for sustainable growth. This article is for business owners, founders, and entrepreneurs looking to finance their ventures. You’ll explore the fundamental differences between debt funding and equity financing, delve into a range of available options, from bootstrapping and personal savings to crowdfunding, angel investment, and venture capital, and understand the associated legal and tax considerations. We'll also highlight when and why seeking expert legal advice for each funding model is essential to protect your business. Navigating the fundraising landscape can be complex, and ensuring your business is legally sound throughout the process is key. For comprehensive guidance tailored to your specific funding needs, our team of funding round lawyers are ready to assist you. There are two fundamental ways of securing financing for your business: debt and equity. Generally speaking, you will nearly always need a business solicitor for equity financing, but not always for debt funding. Although we would always advise that you seek legal advice before entering into any debt funding documents in order to ensure that you are fully informed on the risks involved and obligations on the company. Debt funding is when your business borrows money from a lender, which will then have to be repaid, usually with interest. The advantages of debt funding are that: • The business owner retains control and interest in the company, and so profits more from any future sale or profits of the company, without equity shareholders laying claim to it., • The business owner also has control over how the debt funding is spent within the business. That said some debt funding is advanced for a specific purpose and the documents must be checked that there is no restriction on the use of the funds advanced., • It’s quick and relatively easy to get debt funding compared to equity funding., • The debt repayments are usually a known amount over a fixed term, allowing budget planning, and may also be tax‑deductible. The disadvantages are: • The debt must obviously be repaid and relies on sufficient cashflow to do so., • In addition, debt may restrict a company’s financial activities, increase its risk portfolio in the eyes of other lenders or investors, and may require company assets to be pledged as security for the loan. Equity funding is when you sell an interest (usually shares) in your business. The company’s value must be known, which is much more complex with start-ups, as there are often challenges in agreeing a valuation of the shares given that the company may not have anything tangible or a proven track record, other than a business concept. The advantages of equity financing are that: • There are no monthly loan repayments to be made from your cashflow, freeing up profits to be used elsewhere., • For early-stage businesses, equity investment typically comes in much larger amounts than that available via debt financing., • With equity funding, it’s more of a relationship than a simple transaction, so your business could benefit from mentoring, experience and business contacts, rather than just the cash. The disadvantages are that: • It takes more effort and time to raise capital than debt financing., • You’ll also be sharing ownership (and potentially decision‑making and thus control) with equity investors., • There is a greater administrative and reporting burden with equity finance to provide regular updates to investors, hold shareholders meetings and voting on certain company actions. Let’s start with the simplest and most straightforward sources for financing a business, progressing onto more complex business finance sources. • Bootstrapping – organic growth This can be difficult unless your business is a type which receives payment before it buys stock to fulfil orders, or deliver any goods or services. Quite simply, you start your business, and the profit you make on the first payment you receive can then be put straight back into the business for the next transaction. It’s slow going, but there is little to no risk and you won’t be paying anyone back for it. • Your savings Of course, the simplest way to finance your new business is to put your personal savings into it. But you may still need supplementary funding if your savings aren’t enough and your savings are not necessarily protected against any losses that may arise as a result of the failure of your business. As with organic growth, it may be a harder and slower route, but it doesn’t involve debt or issuing equity in your business. • Family If you have generous family, or even friends, willing to finance your new business, then this can be a great option. Money from family can take the form of either debt or equity financing. The interest on any such loan will likely be lower, and the terms less demanding, than a traditional source of funding such as a bank loan. Or, if you have set up a limited company, such family and friends may be willing to invest in your business in exchange for shares in your company, rather than provide funds by way of a loan. As with any investment, any investor should be made aware of the risk associated with the investment. • Personal credit: overdrafts and credit cards It’s risky, but it can be done – and has been done by many an entrepreneur. Using your overdraft or credit card is ok if you need a reasonably small amount of money for a short period of time. Of course, it’s not a good idea if you think you will be late with payments or may miss them: the interest is high as a medium‑to‑long term borrowing option and missing payments can affect your personal credit rating. • Crowdfunding or crowdsourcing Crowdfunding platforms have become very popular in the UK and there is now a broad range of platforms on which to raise funding, from simple donations to equity investment. Popular crowdfunding sites have included Crowdfunder, Crowdcube, Seedrs, Kickstarter, GoFundMe, and Just Giving. While social media can blow up any projects which capture the public’s heart, be aware that sometimes crowdfunding can raise all‑or‑nothing – with up to 80% of businesses being withdrawn from a platform after failing to raise their target amount. Further crowdfunding platforms will have an investment criteria that will need to be satisfied before the investment proceeds and can include detailed reporting requirements. • Grants and community schemes Often administered by local authorities, and sometimes region or industry‑specific, grants can give a useful financial bonus to businesses with a social or community benefit. They often come with access to business advisors and mentors, helping to foster regional economic growth with rounded support rather than just the cash. The selection process is rigorous though, as it is often ‘giving away’ public money as grants rather than loans to be paid back. Technically it is neither debt nor equity financing and can require some matched investment in order for the grant to be released. • Bank financing The most conventional way of financing your new business, a bank loan can be a simple way of getting together the money you need to get started and begin your first phases of growth. You’re not giving away shares in your business, but you are taking on debt, against which either your personal or business assets may be secured, and you may be required to provide a personal guarantee. However, the terms and payments will be clear from the outset, allowing you to budget and plan consistently. • Peer lending Peer to peer lending (P2P lending) is a form of debt financing. It uses the internet to match up borrowers with people or organisations who have money to lend – some of the most well‑known platforms are FundingCircle, Zopa, Money & Co., and RateSetter. The benefit for the lender is the high interest rate (often better than traditional savings options), but with the risk of losing their money, if it isn’t paid back by the borrower. As a funding option for businesses, peer lending is useful if you don’t have access to traditional sources of funding – but the interest repayments could be higher. • Joint ventures Incredibly popular in property development, finding a joint venture partner can be a useful way to raise finance if one party already has the cash. It’ll usually be a form of equity finance, with a partner putting up the money in exchange for shares in the new joint business. You both get to maintain your existing business entities while you agree to work together for a certain project or period of time – and leverage each party’s skills or assets to get the joint business off the ground and achieve growth. As with other funding options that pair your business with an investment partner, it can take time and effort to source the right joint venture partner with capital, and draw up the most beneficial type of agreement. • Business angels Another source of equity funding, business angels are entrepreneurs and investors who will agree to provide funding for your business in exchange for shares in the company. Investment amounts can vary greatly, as can the terms of a business angel’s investment. Just like venture capital, it can be difficult and time‑consuming to find the right business angel for you and your business, but you stand to benefit from a business angel’s business expertise and advice, as well as their investment. Useful places to start are the UK Business Angels Association and the UK Angel Investment Directory. There are also numerous regional business angel associations and networks too. You may find that accepting angel investment can result in your share cap table becoming overcrowded with numerous investors investing smaller amounts. Further angel investors often invest in companies that can offer them SEIS and/or EIS relief on their investment so the company will need to obtain advance assurance from HMRC in this regard. • Venture capital In our Venture Capital FAQs we explore more about venture capital, but it’s important to mention that not all companies are suitable candidates for venture capital funding. Venture capital funding can run into the millions, so you’ll need to be a high‑growth company with potential for massive return‑on‑investment (ROI) for your investors. Venture capital funding is usually given in exchange for shares in a limited company and is the hardest of all funding sources to secure, but it can be vital to making it big. Venture Capital investment often includes preferential rights in favour of the investor including preference shares. You will need to consider the terms of the investment to make sure they are suitable for you and your existing shareholder group. • Convertible loan notes Sometimes it can be very difficult for a start‑up to establish a valuation for the business so early on. However, due to their limited trading history, a new business may also be ineligible for traditional loans. This is where convertible loan notes come in. Convertible loan notes are a hybrid of debt and equity financing, although often still contain an interest element on the loan. The business gets a loan from the lender which can be converted into equity (rather than being repaid) – usually at a discounted share price, and on a trigger event like an exit (sale), further funding round or initial public offering (IPO). Convertible loan notes are particularly handy because they can be used across multiple investors, making it quicker and simpler for a business to draw down than the usual equity investment methods. They’re particularly attractive to investors because they bring additional security to the investment should the business fail, as in such cases the loan will be subject to repayment. Convertible loan notes are becoming much more common than in previous years. Investments as convertible loan notes are not eligible for SEIS or EIS relief and therefore may not be appropriate for all investors. • Advanced Subscription Agreements An investment under an advanced subscription agreement is similar to a certain extent to convertible loan notes, with the exception that the amount invested is not subject to repayment and there is no interest on the amount invested. Instead the amount invested under an advanced subscription agreement will be applied for shares on the occurrence of a trigger event, similar to that of a convertible loan note. The advantage of investment under an advanced subscription agreement is that it is eligible for SEIS/EIS relief subject to it being drafted in line with the guidance from HMRC. It’s important to note that there are many factors which can affect your business’s tax bills. The way your finance and funding comes into your business could be one of them. The type of legal structure you choose for your business could be another. This is why it can be really important to get independent legal advice from a tax lawyer – just to ensure you’re not paying too much tax, or, worse, to avoid being saddled with a surprise tax bill that legal advice could have prepared you for. Option Process Do you need a solicitor? If so, for what? Bootstrapping: organic growth Your business receives advance payment before outlaying anything for your products or services. Profits go into the next stage of the business. No, aside from any other legal advice you might need in the everyday course of running your business. Your savings Save your own money, put it into the business. No, but you might want to consider which legal structure of business can provide the best protection for your liability, and for which you can maximise the amount of profits you keep. Family Family and/or friends may lend or give you the money to fund a particular aspect of your business. Possibly, especially if it’s friends rather than family, or a less immediate family member, who is putting up the money. It’s advisable to have some kind of legally binding agreement in place, which is drafted (or at the very least checked) by a business solicitor, just in case things go awry. If friends/family are being issued with shares in the company in exchange for their investment it is recommended that a solicitor is instructed to draft the necessary paperwork. Don’t fall into the trap of leaving your business legally unprotected just because you have a close relationship. It is often the closest of family relationships that turn sour in business. Personal credit: loans and overdrafts) Take money as and when you need it from credit cards and overdrafts (within your credit limits) to be paid back later. No. But you may wish to seek advice from a financial advisor. Crowdfunding or crowdsourcing Pitching for funding from many individuals on a platform – either donation or rewards‑based, or investment in the form of equity (ie. shares) or debt (ie. a loan). It depends on the platform and the legal agreements on each one. You won’t normally need a solicitor for donation or rewards‑based crowdfunding. However, if you have intellectual property, it is best to get this legally protected before you make your idea public on a crowdfunding site – for this you will need an IP solicitor. Read the terms and conditions of any crowdfunding platform very carefully. Loan‑based and investment‑based types of crowdfunding are regulated by the Financial Conduct Authority because investors expect a financial return. Donation and reward‑based crowdfunding isn’t regulated. In the case of debt‑based crowdfunding, where you will be paying back the cash, or where you will be issuing shares in your company, it’s very important that you protect your business against claims from investors for poor disclosure or poor due diligence. You will need to ensure that any shares that are issued have followed the correct legal procedure and that the correct paperwork is in place to document this. You should also be fully apprised of the effects and consequences of any shareholder agreements entered into as a result of any investment or loans secured via a crowdfunding platform – so it pays to instruct a solicitor if this is the route you’re following. Grants and community schemes Find a relevant community scheme or grant that is applicable to your geographical area, type of business or industry sector, and follow the guidelines to apply. No, but the selection process is so rigorous that it may pay to have a solicitor help you prepare any documentation to strengthen your case, and show that you are compliant with any regulatory requirements. Bank financing Prepare a thorough business plan and present it to the bank. No, unless you are required to provide a personal guarantee (when it is usually obligatory to seek independent legal advice) or if the loan amount is a considerable sum and requires the company to enter into complex legal documents. Then it is advisable to seek advice from a banking and finance solicitor. Joint venture You may already have business contacts (or personal contacts) who you can approach as joint venture partners. It is often a case of networking via events and social media. You may also be able to source a joint venture partner via a broker, or just by simply searching the internet for joint venture partners. Yes. It is wise to get legal advice when drawing up any joint venture agreements, especially if you don’t already have a long‑standing relationship with the potential partner. Peer lending Each platform is different, but it commonly involves filling out your company details, and sometimes some financial statements. You may also have to submit business plans. Typically the platforms run checks on the company and individuals involved and matches you with a relevant lender – which may be an organisation or an individual. Probably. Even if the platform or service you’re using to find a lending match has its own vetting service, it’s still advisable to have a corporate solicitor double‑check and advise on any agreements you enter into. Business angel There are a number of different directories and associations where you can find business angels, and the process often involves identifying suitable investors and pitching to them until you are successful in securing investment. Yes. As with most equity financing, it is strongly recommended that you get legal advice when drawing up new shareholder agreements. Venture capital It can be a long and arduous process, from finding venture capital firms that invest in your industry and business stage, to getting a warm introduction from a mutual connection, and discussing the details of the investment. For more information, read our Venture Capital FAQs. Definitely, yes. Whenever you are issuing equity in your company, it is vital to get legal advice on your position, alter any existing documents and agreements, and draft the new ones. It’s advisable to seek a law firm with experience in dealing with venture capital investment. Convertible loan notes With the exception of banks, community schemes/grants, and personal credit, it’s possible that any type of corporate investor would consider convertible loans. The process would therefore be similar to attracting other equity investors such as a business angel or venture capital firm, or possibly even peer lenders. Yes. The convertible loan note agreement (including the complication of issuing equity upon a certain trigger event) will definitely need detailed legal advice. We talked with famed businesswoman Nicola Horlick, CEO of Money&Co., about debt funding via peer lending, and why it’s so attractive to investors: ‘Following the credit crunch, it became even harder for small companies in the UK to borrow money from banks. Nine years later, it is still difficult. But over the last few years, a new way of borrowing has emerged – P2P lending. Money&Co. is a P2P business lender and our platform allows savers who want a better rate of return on their cash to lend to companies that need the money to grow. Our credit team carefully vets borrower applications and, so far, we haven’t had any bad debts, which is pretty incredible. However, it is inevitable that there will be bad debts and lenders need to make sure that they spread their risk by lending to a number of businesses.’ ‘In 2016, the government introduced a new type of ISA – the Innovative Finance ISA. This allows lenders to hold their loans in an ISA wrapper and receive their interest payments completely tax‑free. Money&Co.’s ISA yields around 7% per annum after fees, which is very attractive. We are now seeing a number of savers transferring their Cash ISAs, which yield around 1%, to Money&Co. They get a better return on their cash and companies get to borrow money, so everyone wins. On average, our loans are for four years, but we have a loan market embedded within our website, so lenders can sell before the end of the term of each loan if they wish to do so.’ ‘P2P lending cuts out the middle man (the bank), which must be a good thing.’ About our expert Partner - Corporate Jas qualified as a solicitor in 2006. She has 12 years' experience working almost exclusively with start up companies, high growth potential SMEs, along with venture capitalists, other investment platforms and individual and corporate investors. #J-18808-Ljbffr

Financial Operations Manager Location: Manchester | Hybrid | Permanent ClearAccept is a fast-growing payments business and part of the ClearCourse family. As we continue to scale, we're looking for an experienced Financial Operations Manager to lead our Finance Operations function and help drive the next phase of growth. This is a fantastic opportunity to join a dynamic fintech business where you'll take ownership of critical financial processes, lead a talented team, and play a key role in ensuring compliance, accuracy, and operational excellence across the business. What you'll do • Lead, mentor, and develop a Finance Operations team, • Own client fund reconciliations and safeguarding compliance (CASS 15), • Manage merchant invoicing, payment reconciliations, and revenue reporting, • Oversee aged debt and credit control processes, • Support forecasting, budgeting, and month-end activities, • Lead Finance Operations support for audits and regulatory requirements, • Monitor transactional costs and provide financial insight to the business, • Drive process improvements, automation, and stronger financial controls, • Act as a key stakeholder across finance, operations, and customer support teams Requirements • 5+ years' experience in Finance Operations within a payments business (PSP, PayFac, Acquirer, or similar), • Previous experience managing or leading a finance team, • Strong understanding of client fund safeguarding and CASS 15 requirements, • Experience with merchant billing, settlements, and payment reconciliations, • Advanced Excel skills and experience with NetSuite or similar ERP systems, • Strong analytical, problem-solving, and stakeholder management skills, • Ability to thrive in a fast-paced, growing business environment Benefits • Competitive salary + benefits, • 25 days holiday + your birthday off, • Private medical insurance (Bupa) & health cash plan, • Life assurance & income protection, • Enhanced parental leave & family wellbeing support, • Perkbox discounts & perks, • Generous pension contributions, • Hybrid working model This is an opportunity to join a growing fintech business where you can make a real impact, influence key operational processes, and help shape the future of Finance Operations within an ambitious and expanding organisation. JBRP1_UKTJ

Business Development Representative Location: Newport Job type: Permanent Hours: 40 hour per week, rota'd shifts between Monday to Friday 8am - 9pm, Saturday 9a, - 6pm and Sunday 10am - 4pm Salary: £26,000 + £3,000 achievable commission bonus (sales and retention) Are you a confident communicator with a passion for sales and customer engagement? We are seeking a proactive and driven Business Development Representative for our client in Newport to contribute directly to their continued sales growth. The role: Drive sales through high-volume outbound calls, inbound enquiry handling, and targeted cold calls to convert new audiences into long term customers Engage and convert leads via email and live chat Proactively follow up enquiries, building rapport and maintaining momentum to exceed sales targets Process payment accurately, ensuring correct credit control and smooth customer transactions Collaborate with Sales and General Managers, supporting campaigns, refining strategies, and helping the team achieve ongoing growth goals What we are looking for: Minimum 2 years' experience in sales, telemarketing or similar target-driven role Confident in using CRM software, email and live chat systems Proven ability to meet / exceed sales targets with proactive, resilient approach Strong objection handling and closing skills Benefits: Competitive salary with commission structure Free on site parking £250 employee referral reward Exclusive friends and family discounts Closing date is 21/05/26 Hawk 3 Talent Solutions are operating as an employment agency on behalf of its client. To Apply please follow the application process for the site this job is advertised on or email your CV to (url removed). By applying for the above position and providing your personal data to us you understand that your data will be processed in line with our Privacy Policy. To view our full Privacy Policy please visit our website. Hawk 3 Talent Solutions are committed to the selection, recruitment and development of the best people, basing judgements solely on suitability for the job. Whilst we endeavour to respond to all applications individually, due to high volumes, this is not always possible. Thank you for your interest in this role and we look forward to working with you in the future

Accounts Assistant (18-Month Fixed-Term Contract) Salary: £28,000 per annum Location: Cardiff Bay Are you an organised and detail-oriented finance professional looking to join a well-established and highly respected organisation in Cardiff? Môrwell Talent Solutions is delighted to be supporting our client with the recruitment of an Accounts Assistant to join their friendly and supportive Finance team on an 18-month fixed-term contract. This is an excellent opportunity for someone looking to broaden their finance experience within a collaborative environment whilst gaining exposure to a wide range of accounting responsibilities. Reporting directly to the Management Accountant, you will play a key role in supporting the day-to-day financial operations of the organisation, ensuring financial information is processed accurately and efficiently whilst maintaining strong financial controls. Key Responsibilities Accounts Payable Processing supplier invoices accurately and in line with company procedures. Coding invoices to the correct general ledger, department, cost centre and project codes. Managing supplier queries and maintaining accurate supplier records. Performing supplier statement reconciliations and resolving any discrepancies. Preparing payment runs for approval and ensuring payments are made within agreed terms. Income & Debtor Administration Allocating incoming payments within the finance system. Ensuring income is accurately coded and recorded. Monitoring outstanding debtor balances and supporting credit control activities. Maintaining accurate sales ledger records. Bank Processing & Reconciliations Processing bank transactions within the finance system. Performing regular bank reconciliations. Investigating and resolving discrepancies. Supporting financial control processes, including journals, expenses administration and other finance-related activities. About You Essential AAT qualified or currently studying towards AAT. Previous experience within a finance, accounts or finance administration role. Experience processing invoices and supporting accounts payable functions. Excellent attention to detail and a high level of accuracy. Strong organisational and time management skills. Excellent communication skills and the ability to build positive working relationships. Desirable Experience using accounting software packages. Good working knowledge of Microsoft Excel. Experience preparing journals and reconciliations. Experience supporting supplier or freelancer compliance processes. Experience working within a charity, not-for-profit, arts or cultural organisation. What You'll Receive Salary of £28,000 per annum. 33 days annual leave (including bank holidays), increasing with length of service. Enhanced family-friendly policies. Company pension scheme. Life assurance cover. Employee Assistance Programme. Discounted parking and local employee discounts. Ongoing opportunities for professional development and learning. This is a fantastic opportunity for an ambitious finance professional seeking a varied and rewarding role within a supportive team environment. To apply, please get in touch with Môrwell Talent Solutions today. Interviews are being arranged on an ongoing basis, so early applications are encouraged

Demonstrated experience in IBA and Credit Control, including insurer settlements. The firm is continuing to expand its operational capability through the appointment of a Senior IBA / Credit Control Technician. The Senior IBA / Credit Control Technician will be responsible for the effective manageme

Experienced Credit Controller needed for a permanent, full-time role in Mansfield.

Seeking an experienced Credit Controller for a logistics company to manage multiple ledgers, chase overdue invoices, assess credit applications, and build customer relationships.

Credit Controller | Permanent | Salary up to £30,000.

As a Bank Care Assistant at a Barchester care home, you'll help residents enjoy each day by making sure they get the quality care and support they deserve.You'll assist with daily living, providing support and companionship and sharing great moments and memories too.It's a chance to bring your dedi

Credit control and debtor monitoring.

As a Kitchen Assistant at a Barchester care home, you'll help to provide the first-class food and hospitality that enable us to give our residents exceptional all-round care and support.A healthy, nutritious diet is vital to ensuring our residents' wellbeing and helping them enjoy daily life with us

We're currently looking for individuals across the country to take part in remote paid research, including remote focus groups, product trials, and consumer studies.Earn up to £700 a week in your free time by providing feedback on everyday products and services.If you're comfortable sharing your op

As a Bank Senior Care Assistant at a Barchester care home, you'll look after the different needs of our residents to enable us to deliver quality, person-centred care and support.Your role will involve supervising and inspiring a team of dedicated Care Assistants alongside the Deputy General Manager

You’re in control, enjoy the freedom of self-employed work.

As a Care Assistant at a Barchester care home, you'll help residents enjoy each day by making sure they get the quality care and support they deserve.You'll assist with daily living, providing support and companionship and sharing great moments and memories too.It's a chance to bring your dedicatio

This job is with Soho House, an inclusive employer and a member of myGwork – the largest global platform for the LGBTQ+ business community.Please do not contact the recruiter directly.Club operations, the first point of contact for members and guests, setting the tone for an exceptional and welcom

As a Care Assistant at a Barchester care home, you'll help residents enjoy each day by making sure they get the quality care and support they deserve.You'll assist with daily living, providing support and companionship and sharing great moments and memories too.It's a chance to bring your dedicatio

This job is with Soho House, an inclusive employer and a member of myGwork – the largest global platform for the LGBTQ+ business community.Please do not contact the recruiter directly.Club operations, the first point of contact for members and guests, setting the tone for an exceptional and welcom

As a Bank Laundry Assistant at a Barchester care home, you'll help to make sure our residents receive quality care and support in the best possible surroundings.By making sure each resident has clean clothing and bedding, you'll be playing your own part in helping everyone to feel comfortable and at

This job is with Soho House, an inclusive employer and a member of myGwork – the largest global platform for the LGBTQ+ business community.Please do not contact the recruiter directly.You will manage check-ins, bookings, and inquiries while providing exceptional service to support the smooth daily

Cardiff (CF3) | ?? £29,000 + benefits | ? 35 hours per week (MonFri).You can get further details about the nature of this opening, and what is expected from applicants, by reading the below.We are recruiting on behalf of a well-established records management business for a.Document Scanning & R

This job is with Soho House, an inclusive employer and a member of myGwork – the largest global platform for the LGBTQ+ business community.Please do not contact the recruiter directly.As the first point of contact, you will set the tone for exceptional service and ensure that reception operations

Love being on the move and interacting with people from all walks of life? Proud to deliver quality goods on time and put a smile on thousands of faces every week?.Join Ocado Logistics where there are bags of possibilities.Its our mission to provide an outstanding customer experience.Whilst others m

Delivery & Installation Driver.Shift Pattern: 5 days on, 3 days off.Ready to start a role where every day brings something different - and where your service genuinely makes someones day? Join our clients team as a 3.T Delivery & Installation Driver and become the friendly face that delivers the lat

Why Join Evri This Summer? Fast start, fast earnings: get onboarded quickly and begin earning in just days £250 bonus , after you have delivered your first 500 parcels* Perfect for summer schedules: more days, less hours – flexible 4-6 hour shifts that fit around holidays, childcare, or other com

ApexFocusGroup collaborates with research firms, universities, and trusted brands to gather genuine consumer insights.We help connect everyday people with flexible work at home market research opportunities that influence real products, services, and customer experiences.Role Overview: We are welcom