01
Understand
Learn how money moves through an established business.
Knowledge that builds stronger businesses
Better financial decisions. Stronger businesses.
The u3man Business Finance Institute teaches established UK companies how to manage cash, supplier terms and financial reporting, and how to understand the funding options that exist in the market.
Download the free handbookIndependent education. Practical notes. No product application.
Growth is rarely short of orders. It is often short of a plan for cash.
- Suppliers ask to be paid before customers have settled.
- A larger contract needs stock, people or materials before the invoice is paid.
- Overheads rise as the company expands.
- Directors are making decisions without a current cash forecast.
The programme
Ten subjects. One standard: useful in the business, not only in a classroom.
01
Cash flow and working capital
Where cash sits in the business, and why a profitable company can still run short.
02
Supplier terms
How payment arrangements with suppliers affect the gap between spending and being paid.
03
Business credit, as a subject
What different facilities are for, and what a funder usually asks to see. General education, not an offer.
04
Financial reporting
The management figures directors should be able to read during the year, not only at year end.
05
Growth and expansion
The extra cash a new contract, site or hire can demand before customers pay.
06
Customer payments
How to keep a clear record of what is owed, and how long it takes to arrive.
07
Financial risk
Customer concentration, supplier dependence, and the questions to ask before a shock arrives.
08
Tax timing
How VAT and corporation tax dates affect cash, in plain language.
09
Finance administration
How clearer invoicing and regular reporting reduce avoidable mistakes.
10
Longer-term planning
A twelve-month review of terms, forecasts and the questions the board should settle.
Education you can use on Monday.
02
Evaluate
Compare the current position with the options the handbook describes.
03
Implement
Put a forecast, a supplier review and a monthly report into the diary.
04
Grow
Use that record when the business takes on more work.
- Owners and managing directors
- Finance directors and controllers
- Procurement and operations leads
- Commercial teams preparing for expansion
Free handbook
10 strategies to strengthen your business finances.
The Business Finance & Growth Handbook is the Institute’s first file. It covers working capital, supplier terms, how funding is usually assessed, customer payments, forecasts and a twelve-month review.
Business contact details are required. They are emailed to the Institute so we know who received the file. The handbook is education. It is not an application for finance.