Finance with Flow

Just 1 month to go until the next ICAEW East of England Women in Finance Insight Group, hosted by the founder of Finance with Flow, Roz.

📅 9 July
🕛 12:00–13:00
📍 Microsoft Teams
🔗 https://events.icaew.com/pd/32442?source=search&returncom=productlist&txt=East%20women&diid=32445

This month we'll be exploring how to navigate difficult conversations and the value of peer advisory circles, with plenty of opportunity to share experiences, learn from others, and join the conversation.

Whether you're facing a challenging discussion at work or simply looking to connect with fellow finance professionals, we'd love to have you there.

Book your space now and join the conversation!

Can you believe we're already halfway through the year?

If you're like most construction business owners, you've probably spent the last six months focused on keeping projects moving, managing teams and meeting deadlines.

But with six months still to go, now's a good time to take a quick look at the bigger picture.

- Which projects are making you the most money?
- Are you confident about cash flow over the next few months?
- Do you have a clear view of the work you've got lined up for the rest of the year?

If you're not completely sure, you're not alone.

We speak to lots of construction businesses who are busy doing great work but don't always have the time or visibility to step back and look at the numbers.

The second half of the year can bring plenty of opportunities, but also a few surprises.

Need advice lookng over your numbers? Contact us today for a chat.

📧 [email protected]
📞 01206 326610
🌐 https://financewithflow.com/contact

Social mobility is often seen as a challenge for governments and large corporations.

But SMEs may have a bigger impact than they realise.

Every hiring decision, apprenticeship, promotion, and training opportunity has the potential to change someone's future.

However, the question is... do businesses have the confidence in their finance to invest in those opportunities?

In our latest blog, we explore the connection between social mobility, business growth, and why strong finance management can help create opportunities for people as well as profit.

Read more below 👇

https://financewithflow.com/social-mobility-isnt-just-a-corporate-issue-why-smes-have-a-bigger-impact-than-they-think/

⚽🌍 The World Cup is Here! 🌍⚽

As the opening ceremony kicks off and the world's attention turns to football, we're joining millions of fans in supporting the England team throughout their World Cup journey .

At Finance with Flow, we know that success, whether in sport or business, comes down to preparation, teamwork, resilience, and having the right people around you when it matters most.

We'll be cheering on the Three Lions every step of the way and wishing them the very best as they take on the world's biggest stage.

Good luck, England!

🔦 Shining a Light on a great cause ⭐

We would like to raise awareness on a wonderful charity that is close to our hearts - The Lighthouse Charity

The Lighthouse Charity is the only charity that provides emotional, physical and financial wellbeing support to the construction community and their families.

Their mission is to ensure that our construction community can easily access all of this support they need to develop healthy and sustainable futures for this generation and the next.

🕛 24/7 helpline
Expert helpline advisors provide a listening ear

💻 Live Web Chat service
Offering real time support by real people

👷‍♀️ Text 'HARDHAT SUPPORT SERVICES'
A service created for those who feel uncomfortable speaking with someone over the phone

📱 Self Support App
A free self help tool, offering advice on a variety of conditions or issues

🚨 Lighthouse Beacons
Offering safe spaces and confidential support and the opportunity to meet others who are going through the same or similar situation

🆘 Critical Incident Support
This team offers support for those who has had an incident on site and will also offer trauma support to those who need it.

Are you in need of support, or know someone who might?

Contact The Lighthouse Construction Industry Charity today for support, advice or to donate!

www.lighthouseclub.org
0345 605 1956
Text HARDHAT to 85258

When did you last check these dates off your calender?

Managing a construction company's finance is far from straightforward.
Missed deadlines can lead to fines, cash flow challenges, or credibility issues with lenders and in this industry, that's never something you can afford.

Here is a list of key finance deadlines that construction companies need to be on top of.

👉 Swipe through for a quick checklist to ensure your firm is staying compliant and financially healthy.

Struggling to keep track?

Finance with Flow can manage the deadlines on your behalf. Call us today to discuss how we can help you.

📧 [email protected]
📞 01206 326610
🌐 https://financewithflow.com/contact

Busy doesn't always mean profitable.

Many construction business owners are working harder than ever, yet still feel like they're constantly reacting to cash flow pressures rather than planning ahead.

Often, the problem isn't the workload. It's a lack of visibility over the numbers.

In our latest blog, we explore why financial visibility is so important in construction and what the strongestperforming businesses are doing differently.

Read the full blog here 👇
https://financewithflow.com/the-biggest-mistake-we-see-in-construction-finance/

If you're looking for advice or support with you business finances, then contact us today for a chat.

📧 [email protected]
📞 01206 326610
🌐 https://financewithflow.com/contact

📢 P11D deadline coming up!

Keeping up with regulations, compliance and deadlines is quite a task... hopefully we can help remind you of a few important dates to jot in your diary.

📋 P11D Submission

Don’t forget to submit your P11D and P11D(b) forms by 6th July 2026. These forms are essential for reporting expenses and benefits provided to employees and directors during the 2025/26 tax year.

💷 Class 1A National Insurance

Payments should be made no later than 22nd July 2026 (or 19th July 2026 if paying by cheque).

Stay compliant and avoid penalties!

Do you need help keeping on top of your finance department?

Contact us today to discuss your finance needs further.

☎️ 01206 326610
📧 [email protected]
🌐 www.financewithflow.com/contact

HMRC mileage rates are finally increasing - for the first time in 15 years!

From April 2026, the approved mileage allowance for cars and vans has increased from 45p to 55p per mile for the first 10,000 business miles.

With rising fuel, insurance, and maintenance costs, this update is long overdue and will make a real difference for employees and business owners claiming mileage.

Key changes:
- 55p per mile for first 10,000 miles
- 25p per mile thereafter
- Effective from 6 April 2026

For businesses, now is a good time to review;
- Employee reimbursement policies
- Expense systems
- Budget forecasts for travel costs

A welcome move from HM Revenue & Customs that better reflects the real cost of business travel.

Read more here 👇

https://www.icaew.com/insights/tax-news/2026/may-2026/approved-mileage-rate-increased-for-first-time-in-15-years #

If you're looking for advice or support with you business finances, then contact us today for a chat.

📧 [email protected]
📞 01206 326610
🌐 https://financewithflow.com/contact