The UK treats business like background noise
No one’s actively sabotaging your company, but no one’s building for it. Try opening a business account, navigating HMRC guidance, resolving a blocked payment, or even finding clarity on which FCA regulation caught you out.
It’s not chaos-inertia, but inertia is a cost.
And that friction doesn’t hit with a bang - it bleeds away a hire, delays invoices, and shortens your runway…one slow process at a time.
We’ve all learnt to treat this as just ‘how things are’, but what if business didn’t have to fight?
3 things smart teams already do to outpace the drag:
Log every regulatory interaction in a shared audit file
- Store every doc and timestamp
- Include sender, contact name, issue
- Keep it in a shared file your team can access.
When HMRC, FCA, or a bank asks - you send a PDF.
Separate funds
One account for operations, one for buffer capital.
If a payment gets frozen or FX is delayed, you won’t block your entire business.
Stop managing every £30 subscription
- Identify repeat costs (SaaS, invoices, tools).
- Set approval rules.
- Review them weekly.
We see it every day - companies wasting energy on things that should be invisible. So we build systems that get out of the way.
Want more ways to move smarter?
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