Real Business Rescue

📉 My business is making a loss – what are my options?

Every business faces challenges, but if losses are becoming a regular occurrence, it's important not to ignore the warning signs.

Persistent losses can quickly impact cash flow, increase creditor pressure, and threaten the long-term viability of your company. The good news is that making a loss doesn't automatically mean your business has to close. Depending on the circumstances, there may be options available to improve profitability, restructure debts, reduce costs, seek additional funding, or implement a formal rescue strategy.

The key is acting early.

Our latest guide explains the options available when your business is making a loss and the steps directors can take to protect both the company and their position.

Read more here:
https://www.realbusinessrescue.co.uk/advice-hub/my-business-is-making-a-loss-what-are-my-options

My business is making a loss – What are my options? If your business has experienced a financial decline and is making a loss, you should take action quickly to limit the damage and prevent formal insolvency.

❓ If I resign as a director of a limited company, am I still liable for business debts?

It's a question many company directors ask when facing financial pressure or considering stepping away from a business.

While resigning ends your involvement in the day-to-day running of the company, it doesn't always remove potential liability. Personal guarantees, previous actions taken as a director, wrongful trading, and certain conduct before insolvency can still come under scrutiny if the company later fails.

Before making any decisions, it's important to understand where you stand and what responsibilities may remain after your resignation.

Read our latest guide here:
https://www.realbusinessrescue.co.uk/advice-hub/if-i-resign-as-a-director-of-a-limited-company-am-i-still-liable-for-business-debts

Liability For Business Debts After Resigning As Company Director If you resign as the director of a company, you could still be held personally liable for certain business debts, such as a personally guaranteed loan.

Accountants are often the first professional advisers to spot the warning signs that a client's business is under financial pressure.

Whether it's deteriorating cash flow, increasing HMRC arrears, mounting creditor pressure, or concerns around director conduct, early intervention can make a significant difference to the outcome.

That's why Real Business Rescue has produced a free guide specifically for accountants, covering:

✔️ Spotting the signs of business distress
✔️ Managing directors' financial concerns
✔️ Business rescue and recovery options
✔️ Closure routes when a company can no longer trade
✔️ HMRC tax arrears and director responsibilities
✔️ When and how to seek licensed insolvency advice

Designed to support accountants advising financially distressed clients, the guide provides practical insights to help identify issues early and navigate the options available.

📖 Download the free guide:
https://www.realbusinessrescue.co.uk/advice-hub/free-guide-for-accountants

Accountants Guide to Insolvency If you are an accountant searching for solutions on behalf of a distressed client, our free guide has all the information you need when it comes to business rescue, recovery, and closure.

A pre-pack administration allows the viable parts of an insolvent business to be sold — often back to the existing directors — before the company formally enters administration.

It's a fast, confidential process that preserves jobs, protects customer relationships, and allows the business to continue trading under a new structure, free from the debts of the old company.

It's not the right solution for every situation, but in the right circumstances it can be the difference between saving a business and losing it entirely.

📞 0800 644 6080
🔗 realbusinessrescue.co.uk/company-administration/pre-pack-administration

Error 404 We provide free confidential advice with absolutely no obligation. Our expert and non-judgemental team are ready to assist directors and stakeholders today.

Many directors don't realise they can be held personally liable for company debts — not because of fraud, but simply because they continued trading for too long.
Wrongful trading occurs when a director continues to trade knowing the company cannot avoid insolvent liquidation, without taking every step to minimise losses to creditors. It doesn't require dishonest intent — just a failure to act when the signs were clear.

If your company is showing signs of financial difficulty, taking professional advice now is the best protection available.

📞 0800 644 6080
🔗 realbusinessrescue.co.uk/advice-hub/wrongful-trading

What is wrongful trading? Insolvent trading is different to wrongful trading. Both can lead to an Insolvency Service investigation but one can be done in good faith. Find out more.

If your company is struggling with debt but still has a viable future, a CVA could be the answer.

A Company Voluntary Arrangement allows a business to restructure its debts and repay creditors over an agreed period — typically three to five years — while continuing to trade. It stops creditor action, freezes interest, and gives the business the breathing room it needs to recover.

It's one of the most underused rescue tools available to UK directors — and one of the most powerful when used at the right time.

📞 0800 644 6080
🔗 realbusinessrescue.co.uk/company-voluntary-arrangement-cva

What is a Company Voluntary Arrangement (CVA)? A Company Voluntary Arrangement (CVA) acts as a formal repayment plan entered into by an insolvent company and its outstanding creditors.

When your business is under financial pressure, the hardest part is often knowing who to call.

At Real Business Rescue, when you pick up the phone you speak directly with a licensed insolvency practitioner — not a call handler. Someone who can assess your situation honestly, explain every option available, and give you a clear picture of where things stand.

With over 80 licensed insolvency practitioners and 100+ offices across the UK, we're available today — free, confidential, and with no obligation to proceed.

📞 0800 644 6080
🔗 realbusinessrescue.co.uk/contact-us

Contact Us Free, confidential, and trusted advice for company directors across the UK

The increase in employer National Insurance contributions that came into effect in April has pushed many UK businesses past their tipping point.

For labour-intensive businesses in hospitality, retail, care, and construction, the NI rise hasn't just increased costs — for some, it's tipped the balance between a business that was just about managing and one that can no longer sustain its wage bill.

If your company is struggling to absorb the increase, options are available — from restructuring and HMRC Time to Pay arrangements through to formal insolvency processes where necessary. The key is acting before the situation deteriorates further.

📞 0800 644 6080
🔗 realbusinessrescue.co.uk/advice-hub/company-cant-afford-the-increase-in-employer-national-insurance-contributions

Company can’t afford the increase in employer National Insurance Contributions Worried about rising Employer National Insurance costs? Understand the options open to limited companies dealing with a worsening cash flow position.

When your business is under financial pressure, knowing who to call can make all the difference.

Many directors facing difficulty don't know where to turn. They're not ready to speak to a solicitor. They're not sure if the situation is serious enough for a formal insolvency process. They just need to speak to someone who understands their situation and can explain their options clearly, without the jargon and without obligation.

That's exactly what our free director helpline is for.

When you call, you'll speak directly with a licensed insolvency practitioner — not a call handler or a lead generation service. Someone who can assess your situation, explain every option available to you, and give you an honest picture of where things stand.

With over 80 licensed insolvency practitioners and 100+ offices across the UK, Real Business Rescue is available to help today — free, confidential, and with no obligation to proceed.

📞 0800 644 6080
🔗 realbusinessrescue.co.uk/advice-hub/is-there-a-business-helpline-for-company-directors

Is there a business helpline for company directors? Our business helpline service is here to give company directors the help and advice they need when their business is experiencing financial difficulties.

Juggling multiple business debts across different creditors? Consolidation might be the answer — but it's not always straightforward.

For businesses managing several debts simultaneously, consolidating into a single monthly payment can simplify cash flow and reduce the pressure of dealing with multiple creditors at once.

A business consolidation loan combines outstanding debts into one facility. A Company Voluntary Arrangement (CVA) is a formal alternative — freezing creditor action while the business repays what it can afford over an agreed period.

The right option depends on your overall financial position and whether the business is fundamentally viable. Our guide covers every option clearly.

📞 0800 644 6080
🔗 realbusinessrescue.co.uk/advice-hub/can-i-consolidate-business-debts

Can I consolidate business debts? Consolidating business debts can boost cash flow and relieve creditor pressure, but what are your options and how do you access them?