Your Finance Team Ltd

Your Finance Team Ltd Award-winning outsourced finance department for growing UK businesses. Chartered Management Accountants | Proud B Corp™ Certified Business

Accounting is an essential part of any business. Keeping your finances in order can also be a headache and take up valuable time – that is why we do it so you don’t have to. Our team of Chartered Management Accountants and experienced bookkeepers are focused on making a positive difference to you, your numbers and your business. Using our services will mean that you will have your financial inform

ation at your fingertips and we can save you tax and help you grow. Our dedicated team of digital accountants in Reigate service local businesses and companies across the UK.

Back at your desk after the summer? September is a genuinely useful month if your financial year ends in December.You ha...
01/09/2026

Back at your desk after the summer? September is a genuinely useful month if your financial year ends in December.

You have about four months left to change how the year turns out. That is enough time to chase the invoices that have been sitting since spring, look at costs that crept in without anyone really deciding to add them, and work out whether profit is anywhere near where you assumed it would be back in January.

It is also the right time to think about cash in the new year rather than cash this month. A quiet December followed by supplier payments and a tax bill is what catches out businesses that were profitable the whole way through.

Leave all of this until November and you are not managing the year anymore; you are just watching it finish.

If your numbers are arriving too late to be much use, we can help with that.

Book a free consultation today: https://calendly.com/yourfinanceteam-uk/new-client-consultation

When did you last read your P&L properly?If the honest answer is "when the accountant sent the year end," then every dec...
18/08/2026

When did you last read your P&L properly?

If the honest answer is "when the accountant sent the year end," then every decision since has been made on numbers that were already out of date.

Read once a year, it tells you what you can no longer change. Read monthly, it tells you four things worth knowing:

🔹Where your growth actually came from. More customers, better prices, or one big client you now can't afford to lose. Three very different situations.

🔹Whether your margin is slipping. On £750k of turnover, a three point drop is £22,500 gone. Watch only the bottom line and you'll find out months late.

🔹Whether overheads are creeping. No single subscription or hire breaks anything. Tracked as a percentage of revenue, the drift shows up early.

🔹Whether the profit is real. £80k on the page and £9k in the bank is more common than you'd think. Stock, unpaid invoices, loan repayments and the tax bill all sit outside the P&L.

If you're turning over £500k+ and your numbers only arrive once a year, you're running on instinct.

Review your P&L regularly for clarity, confidence & control. Not sure what you are supposed to be seeing?

Book a conversation: https://calendly.com/yourfinanceteam-uk/new-client-consultation

Your business goes quiet, and the brain immediately goes: this is the end.We see it a lot, and nine times out of ten the...
11/08/2026

Your business goes quiet, and the brain immediately goes: this is the end.

We see it a lot, and nine times out of ten the panic is worse than the position.

So before you start slashing prices or taking on work you'll regret, here are a few things worth doing first:

🔹Check last year's figures. Is August always like this for you? Probably.

🔹Look at cash rather than sales. How many months could you keep going at current costs? That's the number that actually matters.

🔹Remember what's signed but hasn't started yet. Quiet diary doesn't mean empty pipeline.

And then use the time properly. Chase the old invoices, review your supplier costs, ring the clients you've not spoken to since last year.

Quiet is uncomfortable. But it's a lot less frightening when you know where you stand.

Running low on holiday ideas? Same. 🌳If you're trying to run a business and entertain the kids at the same time this mon...
04/08/2026

Running low on holiday ideas? Same. 🌳

If you're trying to run a business and entertain the kids at the same time this month, here's a very small one: our partner Treeapp has a free app where you plant a real tree a day. Takes about thirty seconds, kids can do it themselves, costs nothing.

Won't fill an afternoon. But it's one of the few things you'll do this August that will still be around in twenty years.

We've planted 805 so far and counting 🌱

We asked company directors what they wish they'd put in place sooner. Four answers came up again and again:🚩"I wish I'd ...
28/07/2026

We asked company directors what they wish they'd put in place sooner. Four answers came up again and again:

🚩"I wish I'd had monthly management accounts from year one."
Year-end accounts tell you what happened. Monthly numbers tell you what to do next.

🚩"I didn't realise how much pricing by gut feel was costing me."
Most businesses aren't losing money on the big jobs. It's the small ones nobody costed properly.

🚩"I thought I needed a full-time FD. I didn't."
Most SMEs need FD-level thinking a few days a month, not a six-figure salary on the payroll.

🚩"Having someone to call when a big decision comes up, that changed everything."
Hiring, borrowing, taking on a big contract. The value isn't the spreadsheet but having access to a second opinion before you commit.

None of it is complicated. It just tends to get put off until something forces the issue.

Which one of these is you? Tell us in the comments.

Some exciting news to share 🙌 Your Finance Team has won Independent Accountant of the Year at the 2026 Surrey Business A...
21/07/2026

Some exciting news to share 🙌 Your Finance Team has won Independent Accountant of the Year at the 2026 Surrey Business Awards! 🏆

After winning a national award for Exceptional Customer Satisfaction earlier this year, being recognised closer to home in Surrey makes it extra special. This is where we started, and where so many of the businesses we work with are based.

A huge thank you to our wonderful team for everything they put into looking after our clients, and to our clients for your continued trust and support. We couldn't have done it without you. 💙

🏐 Proud to support local sport and community spiritWe're delighted to continue our sponsorship of Reigate Volleyball Clu...
15/07/2026

🏐 Proud to support local sport and community spirit

We're delighted to continue our sponsorship of Reigate Volleyball Club, a non-profit organisation bringing people together through fitness, teamwork and fun.

The club is run entirely by dedicated volunteers and welcomes players of all levels from Reigate and the surrounding areas. It's great to see our company logo on the team kit, but even better to support an organisation that helps people stay active, build connections and enjoy being part of a team.

We're proud to play a small part in the club's ongoing success and look forward to supporting them for seasons to come.

Find out more about the club at www.reigatevc.org.uk

Accountant, Finance Director, or outsourced finance team — what does your business actually need? 🤔It's a question we he...
06/07/2026

Accountant, Finance Director, or outsourced finance team — what does your business actually need? 🤔
It's a question we hear all the time, and the confusion genuinely costs businesses money.

Our latest blog covers what to look for in a provider, the questions to ask, and the signs your current setup isn't keeping up, like only hearing from your accountant at year end, or never quite knowing your cash position.

Give it a read 👉 https://www.yourfinanceteam.co.uk/2026/07/06/accountant-finance-director-or-outsourced-finance-team-what-does-your-business-actually-need/

Exciting news! We've been nominated for THREE categories at the Accounting Excellence Awards 2026. ⭐Small Firm of the Ye...
29/06/2026

Exciting news! We've been nominated for THREE categories at the Accounting Excellence Awards 2026. ⭐

Small Firm of the Year, Employer of the Year, and Client Service Award. 🏆

Last year we were finalists for one. This year, three. We're incredibly proud of the team and grateful to every client who's been part of the journey.

Fingers crossed for September! 💙

Many business owners don't. And that's not a criticism, it's just not something anyone teaches you.Here's where to start...
22/06/2026

Many business owners don't. And that's not a criticism, it's just not something anyone teaches you.

Here's where to start 👇 And don't forget to save this for the next time your pack arrives.

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15 Bell Street
Reigate
RH27AD

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Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
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