Dual access commercial units on Albert Embankment, direclty next to Vauxhall tube, train, and bus station.
Your guide to FSB membership
fsb.org.uk
Rachel McIlgorm, Storybox NI
Say hello to support and protection for your business Welcome to the Federation of Small Businesses! Running your own business is rewarding, but we know it can be challenging. From networking opportunities to help chasing late payments, there are so many ways that your FSB membership supports and protects both you and your business. As the leading voice of small businesses and the self-employed across the UK, we’re always working to deliver real change for all small business owners on the issues that matter most. FSB membership unlocks market- leading business services and tools designed to help your business thrive, including 24/7 legal and employment advice, an online library of over 1,400 legal documents and templates, tax investigation insurance, financial expertise, local support, and so much more. We’re behind you every step of the way on your business journey. Getting started Not sure where to begin? There’s a lot happening at FSB, so here are just a few ways that you can start making the most of your membership from day one! Book your place at an upcoming event Log in to the FSB Legal and Business Hub Meet your local FSB team
See what your membership dashboard holds for you Find details about how to access your benefits, contact your local team, see events near you, and view important documents.
Scan me to log in
2 | fsb.org.uk
Contact us
FSB Employment Protection FSB Legal Advice Helpline: 03450 727 727 FSB Tax Investigation Protection FSB Legal Advice Line: 03450 727 727 FSB Legal Claims Line: 01253 336 026 FSB Tax Claims Line: 0370 166 6271 FSB Legal Protection Scheme FSB Legal Advice Line: 03450 727 727 FSB Legal Claims Line: 0345 350 1099 Choose option 1 for claims and then option 1 again to report a new claim or option 2 to discuss an existing claim. FSB Legal and Business Hub Log in at fsb.org.uk to gain access. FSB PR and Crisis Management Tel: 03450 727 727 FSB Health and Safety FSB Legal Advice Line: 03450 727 727
FSB Business Banking Log in at fsb.org.uk to gain access.
FSB Payments Tel: 0808 2020 888
FSB Payroll and Pensions Tel: 0808 100 1613
FSB Debt Recovery Log in at fsb.org.uk to gain access.
FSB Funding Platform Tel: 0330 097 2359
FSB pirkx Tel: 02038 307918 Visit pirkx.com/signup/FSB
FSB Making Tax Digital App Log in at fsb.org.uk to gain access. FSB Training Log in at fsb.org.uk to gain access.
FSB Insurance Service Tel: 0203 883 7976
FSB Customer Services Tel: 0808 169 3927 Email: customerservices@fsb.org.uk @FSBCustomerCare
fsb.org.uk | 3
FSB Legal Protection Scheme Legal expenses insurance and support that doesn’t break the bank. From jury service payments to more complex employment tribunal representation, you can count on us to support you, so you can get back to business.
Save thousands in legal bills. Commercial legal expenses can quickly soar if you’re facing issues like HMRC tax investigations or property disputes. There are no extra fees to pay or policies to take out – it’s included with your membership. One less thing to worry about. Whether you’re just starting out or you’re an established company, safeguard your business against a range of legal issues thanks to our legal protection scheme, with cover of up to £100,000 per claim.* Prepare for the unexpected. Business life can be unpredictable. If things don’t go to plan, we’re right behind you.
What cover is included? Employment disputes
Peace of mind. If you suddenly find yourself facing a legal dispute, you can rely on us. Call our 24/7 legal advice line, before taking any action, and our lawyers will be able to advise you on your next steps. 24/7 legal library. Need to find up-to- date employment contract templates or policies to comply with health and safety legislation? Our growing legal library is here to support you. To access legal documents, log in to the website and visit your membership dashboard.
Employment compensation awards Property and landlord and tenant disputes Criminal defence Tax protection
Regulatory compliance Court attendance costs Employee extra protection
Crisis communication Intellectual property
*Terms and conditions apply.
“My favourite thing about being an FSB member is being part of a wider network and working with people from all backgrounds and stages of their business. We learn from each other. You have a sense of belonging and an access to lots of helpful tools, including legal advice and insurance for that extra peace of mind. ”
Mandy Errington, DJV Boutique
4 | fsb.org.uk
“Over the years we’ve used a number of the FSB’s services, including the legal advice, which was really good, a telephone call back within the hour to give us everything that we needed. And we often use the day-to-day templates, so for contracts, but also for business development plans. And that’s really good for helping us focus on what we’re trying to do and helping us push the business forward.”
Alex Smith, Excellence Physio
FSB Legal and Business Hub Legal compliance is just a click away.
Legal support that fits your busy schedule. Whether it’s employment law, tax, or health and safety, we’re here to support you to run your business smoothly. You didn’t go into business to be a legal expert, which is why we’ve made legal paperwork simple.
Unlimited use. Complying with business law shouldn’t break the bank. Log in any time, from any device, to use or access our free documents during your membership.* Unlimited use. Complying with business law shouldn’t break the bank. You can use or access our free documents during your membership.* Tailored to you. Access over 1,400 free documents, letters, factsheets, templates and guides written by legal, tax and employment law experts, just for small businesses like yours. We know some laws are different across the UK, so we’ve got dedicated sections on our hub for laws in Scotland and Northern Ireland. Templates you can trust. Our legal experts trawl through the small print and cross all the t’s so you don’t have
to. You’re safe in the knowledge our documents are checked regularly by our legal team throughout the year. No more endless searching! Filter document templates by type, bookmark your favourites, and view the most downloaded documents. You’ll find legal essentials including employment law policies to contracts, as well as business plans, cyber security policies and more 24/7 support. Our experts can offer advice on the legal documentation you need, including employment contracts, risk assessments and template letters, through our helpline. Don’t know what you need? Give us a call, book a call back or use live chat and we’ll help you work it out. We work around you. Use our advice line booking system to pick a time that suits you and stay in control. Simply tell
us when is best for you, let us know some information about your issue and we’ll get the right person to give you a call. Making sense of business law. Our monthly legal bulletin is delivered straight to your inbox with a round-up of the latest legal news. Stay up-to-date with the important legislative changes that matter to you. How healthy is your business? Take one of our legal health checks and receive a customised report that reveals your biggest legal risks. We’ll give you advice on your next steps and links to suggested templates on the hub. Plus, view your health check history to track your progress.
*Terms and conditions apply.
fsb.org.uk | 5
FSB Employment Protection Looking for employment advice you can trust? You’re in the right place.
Running your own team is rewarding, but we know you’d rather be getting on with business than buried in paperwork. Whether it’s a quick chat about an employee return to work form, or long-term support with an employment tribunal representation, we’re here for you.
We’re here 24/7. Don’t lose sleep. Access unlimited, round-the-clock advice from our employment advice line, staffed by employment solicitors in the UK. From contracts to policies, we’re by your side to answer your questions, so you can get back to business. We speak your language. No legal jargon, just the facts. Compliance is confusing enough, which is why if you’ve got a question, our experienced employment solicitors are only a phone call away. Paperwork made easy. Our experts have done all the hard work for you. All you need to do is search FSB Legal and Business Hub, download the compliant template and customise it. It’s as easy as that!
Always have peace of mind. You don’t need to be facing an employment tribunal to access support. From employment status disputes to representation at Acas early conciliation, we’re here for you during workplace disputes. experienced employment solicitors and barristers are ready to represent you if you’re facing an employment tribunal, with cover of up to £100,000 per claim.* We’re behind you every step of the way. Save thousands in employment tribunal cover. Our specialist and Get it right the first time. Hiring your first employee? Don’t want to spend hours searching for the right employment documents? We’ve made it simple to manage and grow your
team, whether you have one employee or 100. Dreading difficult conversations? We know your small business is a close- knit team, so challenging situations like performance reviews, grievances or disciplinaries can be tough. Don’t worry - we’ll help you through it with expert advice. Tailored to your team. No two small businesses are the same. If you’re managing lone workers, remote employees, temporary staff or pregnant workers, access advice you can trust on a range of employment scenarios.
*Terms and conditions apply.
“I’m at the point now where I’m looking to take on my first employee and as a first time business owner I didn’t have a clue where to start. So the resources that FSB offered me to employ somebody for the first time have been invaluable. ”
Rechenda Smith, Nurture Marketing
6 | fsb.org.uk
“I view it almost like an insurance policy. So, for instance, if you need legal advice, it’s a free phone call away. That advice comes to you, if there was any tax situations that expertise is there to help you. ”
Iain Kane, Village Barber Skin Products Ltd
FSB Tax Investigation Protection Wave goodbye to tax enquiry worries.
Whether you’re a sole trader, contractor or limited company, a letter from HMRC can fill you with dread - but it doesn’t have to. With essential tax advice, protection against the cost of professional fees and representation from ex-HMRC inspectors in the event of a tax enquiry, you can protect your business for less.
No extra costs. Budget-friendly tax enquiry protection is essential for all small businesses, which is why it’s part of your membership. If we need help from your accountant during an enquiry, pre-agreed fees are covered. No surprise bills. Up to £100,000 of protection. Even if your books are in order, you can still be selected by HMRC for an investigation at any time, and the costs of your defence can run into the thousands. With cover of up to £100,000 per claim, we’ve got your back.* Taxing questions? We’ve got the answers. Call our tax and VAT advice line, staffed by tax experts, for guidance on taxation matters, from Capital Gains Tax to VAT returns.
Experts in your corner. You can rely on a team of specialists with years of investigations experience to defend you, all the way to tribunal if necessary. We handle full and aspect enquiries on Income and Corporation Tax, as well as disputes regarding employer compliance, IR35 or VAT. We’ll do the talking. Your tax consultant will liaise with you and your accountant as required, meet with you and the HMRC inspector as necessary and handle all enquiry correspondence. You’ll have honest, straightforward advice and assistance throughout the whole enquiry process. Ongoing reassurance. Enquiries can take months or even years, but we’ll be
by your side through it all with unlimited tax advice, leaving you with more time to focus on your business. Peace of mind with PAYE. We take away the stress of a PAYE compliance audit. Whether it’s a dispute or information requests from HMRC, our tax experts are on hand to help. 24/7 guidance. Search our online legal library for downloadable guides, templates and factsheets covering a range of taxation matters, all updated regularly.
*Terms and conditions apply.
fsb.org.uk | 7
FSB Health and Safety Take the risk out of protecting your business.
Working at heights in the construction industry? Dealing with food safety regulations as a catering business? Running your business from home? Whatever your sector, we’re taking the stress out of health and safety compliance for your small business.
Trusted advice. From slips and trips to electrical hazards, industry experts are just a phone call away to answer your questions. We’ll guide you every step of the way so you know you’re on the right path. Compliance made easy. Search a regularly updated library of health and safety templates, documents and guidance, all written and checked by professionals, including: Fire safety Food safety Hazardous substances Policies Risk assessments Safe working practices
Protection during inspections. Experienced advisers are on hand to recommend the right actions if you’re facing an inspection, so you can continue to trade during the process. DIY documents. Our easy to customise templates include policies, risk assessment forms and checklists, making it simple for your small business to stay compliant with health and safety paperwork. On-demand training. Keep compliant and support your team with a range of training modules covering key areas of health and safety law. With two free CPD accredited modules too, upskill your business online, wherever you are.
Built for your business. Whether it’s the safety of your home workers or your lone workers, we’ve got you covered. Download template accident reports, get advice on policies and procedures, or take a training session on risk assessments. Stay in the know. We’ll keep you up to date with regular health and safety news and help you understand the changes that matter to you.
FSB PR and Crisis Management Affordable PR support you can count on in a crisis.
Nobody likes negative publicity – but how can you protect your business against it and what can you do if it happens? We’re here to support you through a PR crisis, help you communicate with the outside world and get your business back on track.
Protect your reputation. When your business is under a
Dedicated advice line. With negative publicity, every move matters. Speak to a PR expert for guidance and have the reassurance you’re taking the right action. Experts you can rely on. Whether it’s advice on protocols, support with issuing a press release, or representation at a press conference, we can help you communicate clearly in a crisis.
Professional PR support. Dealing with a major public relations crisis or negative publicity is a daunting prospect, but not when you have experts on your side who can: Prepare general communications within your business and externally Advise on how to mitigate negative publicity Provide guidance documents on how to protect yourself
microscope, specialist public relations knowledge is essential to manage your brand reputation and defend against damage. Insurance at no extra cost. In a crisis, the last thing you want to think about is bills. Don’t worry - you’re covered for up to £10,000 of public relations consultancy from an experienced team. We’re here in an emergency. If the worst should happen, crisis communication support is available when you need it most, so you can get back to business.
8 | fsb.org.uk
“The biggest benefit that I have with the FSB is knowing that the debt recovery service is sitting waiting in the background should I ever need it. Having that reassurance, knowing that there was a process
there waiting to use is massively reassuring. ”
Claudia Kirkwood, Super Simple Websites
FSB Debt Recovery Take back control of your cash flow.
Find everything you need to get your money moving in no time. Our debt recovery specialists have supported thousands of small businesses just like yours to take back control and recover debts sooner, so you can get back to business.
Step-by-step process. With comprehensive downloadable
Free interest calculator. Don’t pay extra to work out what you’re owed. Our interest calculator makes it easy for you to work out how much interest is owed on your late payments from suppliers or clients. All the tools you need. From credit control letters and Protocol-compliant letters before action, through to court proceedings and enforcement, our experts are here to help you every step of the way. You’re in control. Unlike other debt collection services, you’re in control of the entire process, and in 80% of cases, we help small businesses to get paid before it comes to legal action.
No hidden fees. If all else fails, legal action is often the last resort - but it can get costly. Instruct one of our lawyers with the peace of mind you’ll receive discounted fees and certainty of costs - meaning no surprise bills. We don’t give up. We don’t just send a letter and call it a day. When instructed, our ‘reasonable endeavours’ means we’ll follow up after the letter with a phone call or email to chase payments or offer payment plans.
guidance and professional support, you can speed up processes and get your business’ cash flow back on track. Free template letters. Download and customise our pre-action letter templates to help you recover the money owed to you, whether from individuals, sole traders or businesses. It’s just one of the many free templates available as part of your membership. 24/7 support. Our debt recovery experts are here to answer your questions 24/7 through our legal advice line, so you can have confidence that you’re taking the right steps towards a resolution.
fsb.org.uk | 9
FSB Business Banking Save with flexible business banking.
With FSB Business Banking, you can choose a bank account that works for your small business, and get discounts and deals negotiated just for FSB members.
Member-only savings Spend less on business banking and more time doing what you love. Save while you spend with access to exclusive deals handpicked just for FSB members. Made for small businesses From fees to transfers, there is a lot to think about when you’re busy running your business. We’ve taken the fuss out of finding an account that works We know every small business is unique. That’s why whether you’re making cash deposits at a local branch or managing your finances online, you can choose an account that’s best for you. for small businesses. Money made simple
The Co-operative Bank The only UK high street bank with a customer- led Ethical Policy. Feel good about who you bank with when you join us. • Free everyday banking with no monthly service charge during your membership (cash limits apply) • Apply online in minutes, most customers get a decision on their application in five business days* • Switch your business current account through the Current Account Switch Service, a 7-day Switch Guarantee • 24/7 digital banking through online banking and mobile app. UK-based customer support in branch, on the phone or our Business Help app, with access to specialist business advisers • No transaction fees apply to credits or debits. Free ATM cash withdrawals, cash exchange and cheques (issued or paid in). Free cash deposits for the first £1,000 per charging period (then only 80p per £100) • Integrates with accountancy software including Xero, Sage and Quickbooks • Manage invoices efficiently and get paid on time with a free, simple and secure app: Go Get Paid • Best ESG (Environmental, Social and Governance) rating of any UK high street bank*
Cashplus Bank Make the move to simple, secure, smart banking. Use as your main business bank account or as an additional account. • No account fee in the first two years • Earn 1% cashback (up to £1,000 per month) on all qualifying debit card spend* • No monthly account fees • No transaction fees on inbound/outbound payments, Direct Debits or ATM withdrawals • Low fee of 0.5% on cash deposits via any UK Post Office® • Apply online in minutes and get an instant decision with no credit checks on application • Manage your money efficiently with spending reports, receipt capture and invoice generation tools • Accounting integrations with Xero, Quickbooks, Sage, Iris and others • Connect your account with FSB’s Making Tax Digital App • UK based telephone customer services support and 24/7 mobile/online banking
*Terms and conditions apply.
“One of the services FSB provides is business insurance. We asked them for a quote and our premium went down by over 40% with even better cover.”
Ryan Jackson, OG Kicks
10 | fsb.org.uk
“We joined FSB because we wanted to take advantage of their banking arrangements. Our existing supplier had basically quadrupled the fees. We’ve been banking with them ever since and we’re very happy with the service that we get.”
Fiona Spence, Geo. Spence and Sons Ltd
FSB Funding Platform One simple application, hundreds of potential lenders. Whether you’re a start-up, sole trader, limited company or partnership, our team of experts help you to save precious time and find the right business finance, so you can focus on what you do best.
Free for members. No hidden charges - just one quick application, ongoing support and impartial advice from finance specialists. We’re on your side. It takes five minutes. Business life is busy enough, which is why we’ve taken the stress out of paperwork. Complete one application online and we’ll do the rest, searching across hundreds of business lenders to find you the best matches. Your data is secure. Each application is anonymous to protect your privacy. We don’t share data with our partners without your consent.
You’re in control. Negotiate directly with lenders to receive multiple offers and choose what is best for your business, with no obligations. Find what fits you. Access a wide range of business funding options, whether you are looking to grow your business, improve cash flow, or invest in machinery or property. 24/7 support. Dedicated finance advisers are here to support you with your finance journey, give you honest answers and provide feedback on the pricing and terms that you might be offered.
Every penny counts. Don’t pay over the odds for business finance. Chat to us about your options so we can help you to understand the arrangement and exit fees. Never borrowed before? There’s no pressure. Complete an online application so that a dedicated finance expert who speaks your language can help you understand the providers and products available to you.
fsb.org.uk | 11
“HR services, taxation services, insurance, business banking - you name it, they’ve got it. The service they provide is incredible. It’s there to support you”.
Bhavesh Sanghani, BRS Accounting
FSB Insurance Service Business insurance that makes sense.
Have you got the right cover for your business? Whether you’re a sole trader, contractor or running your own company, you’ll have peace of mind your business is protected.
It’s free to register. Policyholder or not, you can call our free insurance advice line for support and guidance from a leading insurance expert. Free Business Continuity Planning kit. From localised flooding to accidental damage, prepare for the unexpected and build your business’ resilience with a free BCP kit and discounted service. This helps you keep your business running in ways insurance might not be able to help with, and means you have a plan for how your business can continue trading in difficult circumstances with minimal down time.
Members get more. Whether you’re taking out new insurance or revising your existing policy, you’ll find innovative insurance products and enhancements added regularly, just for small business owners like you. Making insurance simple. Answers are just a phone call away. Our experts explain insurance jargon, help you to understand your legal requirements and can advise you on how you could save money on premiums with risk management efforts. Your business comes first. Can’t remember when you last updated your insurance? Our business insurance policy review service gives you the confidence that you’ve got the right cover for what you do.
Never forget another renewal. Let us know when your policy is up for renewal and we’ll remind you closer to the time to save you the stress. One less date for your busy diary. Keep yourself compliant. Get the right insurance for your business needs and sector, including legal requirements like employers’ liability insurance and motor trade insurance. For every stage of your journey. Whether you’re just starting out as self- employed, or you’ve been in business for years, access insurance advice, news and guidance every step of the way. Free Credit Checks. Registered members can have 10 free annual credit checks when they sign up to FSB Insurance Service, with subsequent checks chargeable at a special, discounted rate.
12 | fsb.org.uk
FSB Training Affordable CPD certified online training for small businesses.
Whether you’re working for yourself or managing a team, having the right skills is vital for growing and running a successful business. We’ve teamed up with Staff Skills Training to bring you affordable e-learning courses, from workplace health and safety to marketing and finance, all designed for small businesses and the self-employed. Learn everything you need to know without the jargon. Stay compliant with regulations, boost productivity in your business, and train your team.
Exclusive member savings Access discounted small business training you can trust from just £80 per person. You’ll only pay for the number of people you need to train. Compliance covered From workplace health and safety certifications to fire safety, first aid and food hygiene, keep your business legally complaint with a range of essential courses for small businesses. Hundreds of courses Choose from over 1,000 courses covering sales and marketing, finance, professional development, management and so much more.
Start learning from day one It’s easy to fit online training into your schedule. Access the entire e-learning library for 12 months. Start filling skills gaps in your business or develop in new areas. Track your team Retrain your existing team or bring new hires up to speed with high-quality employee training. Use the online portal to track their progress and personal development. Gain industry-recognised certifications Train with confidence with Continuing Professional Development (CPD)
certified courses, from food safety levels 1-4 certifications to manual handling. Tailored to your sector With so much to choose from, you can customise your learning to suit your business needs. You’ll find sector- specific training including hospitality and tourism, health and social care and more. Prefer to learn in-person? A select number of courses can also be held as face-to-face training sessions at your business. Led by expert trainers, these include customer service, first aid, management skills and more.
“When I joined, I just couldn’t believe that not every small business was a member. The amount of support and facilities that you have access to that you wouldn’t have within your own business makes you feel like a bigger company. It’s invaluable.”
Kristy Carey, Wisteria Hotel
fsb.org.uk | 13
FSB Payments Say hello to secure, stress-free payment processing.
There’s a better way to get paid - and your customers will love it too. Do business your way with more ways to pay safely, competitive terms and added fraud protection. Managing your money has never been easier.
Stress-free. New to business or switching providers? Simply choose how you want to take payments, tell us what equipment you need and get back to business. We’ll handle the rest. Never miss another sale. Let your customers pay with confidence and convenience. From virtual terminals to safer contactless payments, give the best checkout experience every time. Take your business online. Set up a secure digital storefront and give your e-commerce business a boost with our leading fraud intelligence tools. Your business, your way. Whether you’re on the shop floor, on the move, or offering local delivery, accept major
debit and credit card brand payments with a merchant account. Members get more. Exclusive discounts just for FSB members.* Back to business in no time. Access 24/7/365 support and Monday – Saturday next day terminal replacements.* It pays to be protected . We make it simple to comply with data security standards like PCI DSS, protecting you and your customers against the risks of data breaches and fraud.
*Terms and conditions apply. Existing customers are ineligible for discounts.
“We get the latest updates on legislation changes and things that are trending in the industry, and the opportunity to talk and act as a conduit and help FSB understand what’s affecting us on a day-to-day basis.”
Fiona Spence, Geo. Spence & Sons Ltd
fsb.org.uk | 14
14 | fsb.org.uk
“When our business started to grow, obviously, we needed to look at our pensions and auto enrolment and FSB was our recognised provider for that. We examined other opportunities, but to be honest, FSB provided the best solution for our business.”
Brian Mullan, Dirty Cars Wanted
FSB Payroll and Pensions Stay in control of payroll and pensions.
Hiring your first employee and don’t know where to start with payroll? Spend less time on paperwork and more time running your business. Worried about keeping your workplace pension scheme compliant?
More than just software. Wave goodbye to the hassle of getting to grips with new payroll tools or spending time on pensions administration. If you’ve got a question, our experienced team is here when you need support. Members get more. We’ve negotiated exclusive terms with SMART pensions just for FSB members, as well as competitive discounts on payslip fees. Keep up with contributions. Whether it’s National Insurance contributions, income tax deductions, student loan repayments or employer pension contributions, we’ll do the number crunching and calculations so you don’t have to. Wondering how you can save for retirement whilst working for yourself? We can guide you through your options.
Payroll Payroll shouldn’t be pricey. Re-runs, P60s, P11Ds, CIS, new starters, leavers, RTI for HMRC, management of your workplace pension - it’s all included for just £5 + VAT* per payslip. No setup fees or hidden costs. From data collection and calculations, all the way through to payslip distribution, you’re in safe hands with our payroll service. Simply give us your payroll information and we’ll handle the rest. Paying your employees is easy. Find all the documents you need, when you need them, including payslips and P45s, and let your employees access their information online.
Workplace Pensions Just starting out? Make setting up a compliant workplace pension scheme a breeze with our setup service at just £299 + VAT. Short on time? Leave the hard work of day-to-day pensions management to us, from only £12.50 per month + VAT** for up to 10 monthly paid staff. Behind on your duties? If you need to get compliant quickly or are behind with your auto-enrolment duties, our rescue service is here to save the day and can even help you avoid or minimise any fines. Time for your triennial review? Save time and effort with your re-enrolment duties and stay compliant with HMRC and The Pensions Regulator, starting from £99 + VAT for up to 10 employees.
fsb.org.uk | 15
*Price locked for new Payroll customers for 12 months. After 12 months the price for existing Payroll customers will be £5.25 + VAT per payslip.
**Price locked for new Premier Service customers for 12 months. After 12 months the price for existing Premier Service customers will be from £13.70 + VAT per month.
FSB Making Tax Digital App Get ready for Making Tax Digital powered by Rhino.
Making Tax Digital (MTD) is an easy-to-use HMRC-recognised app designed to help businesses and individuals calculate their tax through a system that is more efficient. We’ve made MTD compliance simple so you can get back to business and avoid the risk of penalties from HMRC.
Upload your VAT spreadsheet Our simple bridging feature lets you upload your existing spreadsheet. This is the easiest way to comply with MTD and avoids having to change your existing processes. A simple solution for small businesses. Alternatively, you can our simple record keeping features to create invoices and track your expenses. The app will automatically populate the nine-box form using this data. Manage it all in one place. All these features are contained in one easy-to-use app. If you’re using the spreadsheet feature, you can start using the invoicing and expenses
features at any time at no additional cost. Manage your accounts on the go. Whether you’re in the office, visiting clients or on the move, log in to the FSB Making Tax Digital web platform or app wherever you are and update records in no time. Comply within minutes. Save time and cut down on admin with a streamlined MTD submission. From detailed audit reports to the automatic population of the nine-box form, it’s all in one place. Access dedicated support. You’ll get more than just Making Tax Digital Software - if you have issues
with submitting your return or questions about more advanced features, we’re
here to help via Live Chat. See the bigger picture.
Generate reports to visualise your data at a click of a button. Your dashboard holds all your information including invoices, expenses and your trading summary over the last 12 months. Master MTD now and in the future. Get ahead of the curve. Making Tax Digital is also compatible with Self Assessments, meaning you’ll be ready to roll when MTD for Income Tax comes into force in April 2026.
FSB pirkx Wellbeing benefits designed for small business owners and the self-employed. When you’re working for yourself, looking after your wellbeing is crucial to the success of your business. Access a wide range of wellbeing resources and services that would normally only be available to employees of large businesses, including health services, gym classes, cashback offers and more. You can also create your own personalised wellbeing package for your team.
24/7 telephone and online GP. Speak to a qualified private GP, with prescriptions delivered to your door. Telephone counselling. You can speak to a BACP accredited counsellor 24/7. Unlimited access to mental health and emotional support to help build your resilience skills. Virtual physio at your fingertips. Virtual physio app including a free 15-minute initial telephone consultation. Discounted health cash plans and insurances. Get discounted health cash plans and insurances that are usually only open to employees of large businesses.
Discounted gym memberships and virtual gym classes. Save money whilst you stay fit with discounts on gym memberships across the UK. Busy schedule? You’ll also have access to virtual gym classes at a time that suits you. Shopping discounts. Stretch your money further with savings across everyday shopping categories including food, clothing, DIY, eye care and more. Save on cinema tickets and days out.
Create your corporate hub. Personalise a hub for your employees to access their benefits if they join the scheme. Add links to their digital payslips, HR portal and company pension, and use the recognition feature to reward your team. No setup fees, no commitment. There are no lengthy contracts. Sign up for a minimum of one month and start using your benefits straight away.
16 | fsb.org.uk
FSB App Manage your membership on the go.
Get backup in your back pocket and FSB at your fingertips with our app. With FSB event details, services, account information and more at your fingertips, we’re by your side wherever you are. Download the FSB app today on Apple or Android. Your services in your pocket. Need advice? Make one-click calls
Exclusively for members. Simply sign in to the app using your normal FSB website login details and get going in no time. You can then use your phone’s additional security features where available, such as Face ID or thumbprint scanner, to log in again.
What kind of mobile device do I need? The FSB app works best on mobile phones, but will work on iPads and tablets too, using Apple or Android operating systems. • If you are an Apple user, you’ll need to be running iOS 13 and above to use the FSB app (check Settings > General > About) • If you’re an Android user, make sure you’re running version 4.4 (Kitkat) or above (Settings > About phone [device] > Software information)
to member benefit helplines Book a call back at a time that suits you Find helpful links to online services Search for events near you Book on the app and add to your calendar Join webinars from wherever you are from your events tab Update your email, phone number and more View your receipt Get in touch with customer services
Never miss an event.
Manage your account.
“My favourite thing about being an FSB member is that network that it brings, the network of people, skills and other experience, even if you don’t have that experience, somebody out there does. So all of a sudden you have a team of people that you could
contact that weren’t there before and that has been the biggest thing for us.”
Sophia Gibson, Active Outdoor Pursuits
fsb.org.uk | 17
FSB Events and Networking Join a supportive community of small business owners just like you.
There’s always something happening at FSB. Don’t miss out on our virtual and in-person events. Attend networking and business surgeries across the UK designed to help you find advice, support and guidance.
Everyone’s talking about our events. Our events and networking sessions are loved by many small businesses and the self-employed - simply search for an event you’d like to attend, book your place and join us on the day. We’d love to meet you! Our event calendar will help you to find out what’s happening near you. From discussions on business topics like social media marketing and finances to casual catch- ups, stay in the loop. Join your community. With hundreds of networking events happening across the UK, you’ll meet business owners and the self-employed in your local area. Grow your business presence, attract new customers and clients, and build valuable business relationships.
Hear from the experts. Our popular national webinars cover the topics and issues that matter to you. Every event features a hand-picked panel of industry specialists who share the latest insights and answer your questions. representatives and learn more about how you can get the most from your membership. Whether it’s a question about a benefit, or you’re not sure who to contact, they’re here to help you. Never miss out again. Our attendees Meet the team at local events. Connect with your nearby FSB are always sharing their advice and experiences, as well as the latest events and opportunities happening near you.
Missed an event? We’ve made it easy to catch up on a selection of our most popular national webinars and events on-demand during the last twelve months. Whether it’s digital skills, procurement, or employment matters, our recordings are ready when you are.
“The wealth of resources is outstanding and I am also able to engage with the members of the largest business network in the UK.”
Michael Ramlakhan, Timeless IMS
18 | fsb.org.uk
“I joined FSB because I think when I started out in business, there’s a certain part of you that’s very aware that you can’t do everything. FSB felt a little bit like a safety blanket.”
Joanne Roberts, Fabulous Welshcakes
FSB Resources Build your business skills with FSB.
From employment law and digital marketing to trading internationally, find advice and support from experts and industry leaders to help you run your business. You can access these from the top menu of the FSB website.
Learn something new. Whether it’s a how-to article about managing payroll, advice on reducing your carbon footprint, or top tips for setting up the right business insurance, we’re here to support you. Take a deeper dive. Browse our curated content hubs and access information, videos and further resources from industry experts. Manage your money with our finance hub, go global with our trade advisory hub, or give your business a boost with our marketing hub.
Learn from the experts. Our resources are checked, reviewed and updated regularly by our specialists. We also work with business leaders and industry leaders to bring you practical and insightful guidance on specific topics. In-depth guidance. Download one of our Business Basics guides, packed with advice and top tips on recruiting staff, filing your taxes, promoting your business and more. You’ll also discover hints to help you make the most of your membership.
Missed an event? We’ve made it easy to catch up on a selection of our most popular national webinars and events on-demand from the last twelve months. Develop your skills. Ready to take it one step further? We’ve hand-picked free training opportunities designed just for small business owners from leading providers like Google.
fsb.org.uk | 19
FSB Volunteering Get involved with the small business community.
From a single action to a regular commitment, there are lots of ways you can help FSB raise awareness of the issues that small businesses face.
Get online. Follow your local FSB team on social media for the latest news and stories where you live and spread the word about FSB to your network. Help us to help others. Reviewing us on Trustpilot takes just a few minutes. It helps other small businesses find FSB’s events, resources, support and more. Tell us your story. Make your voice heard as part of a case study or roundtable discussion with local and national government.
Join in with our events. Host one of our events and meet small businesses in your area. Already run a networking group? Get in touch, let’s see what we can do together. Campaign with us. You can get involved with our latest campaigns at a local and national level to help us highlight the issues that matter most to small businesses in different sectors. Be an FSB representative. Our trusted local representatives meet with the media, external stakeholders, elected representatives and decision makers to deliver the FSB message.
“Knowing that they’re there and having FSB has a safety net for me is just so crucial. FSB can get us all together and be a voice for us, and that’s been superb.”
Ruth McEwan-Lyon, NI Silver
20 | fsb.org.uk
“The benefits the FSB bring are their resources. That’s an important thing for us and also their voice. We don’t get to speak to people in government or anything like that. But the FSB do. So they represent us. ”
Gordon Peters, Highland Heating Management
FSB Advocacy Effective policy campaigning and influencing decision makers.
Our national advocacy initiatives start with Big Voice, our online research community, which impacts policy decisions at all levels of government. Through engaging with Big Voice, you give us the insights we need to shape our approach to public policy. Make sure you sign up at fsbbigvoice.co.uk.
Through continuous engagement at the highest levels, we secure meaningful help for members – recent examples include: • Income support for sole traders and employees unable to work due to the pandemic • Cash grants for businesses hardest-hit by lockdowns • Treasury-backed emergency loans for all small firms • New incentives to employ young people through apprenticeships and the Kickstart initiative
• Business rates breaks for
• Exempted small businesses from advertising rules that would have prevented many small businesses from advertising online • VAT cut for small hospitality, accommodation, food and attraction businesses
businesses struggling due to COVID-19 and fundamental reform of this tax to take thousands out of the system • An SME Brexit Support Fund for firms that trade with the EU and dedicated small business chapters in new trade deals • An Employment Allowance discount on National Insurance (NI) costs for small businesses and an NI holiday for employers who take on veterans
fsb.org.uk | 21
What matters to you?
Make your voice heard. At the Federation of Small Businesses, we’re proud to be the leading voice of 5.5 million small businesses and the self-employed, but we can’t do it without you. Big Voice is your chance as an FSB member to let us know what’s important to you – and it only takes 10 minutes. From Government Ministers to the media, your survey answers directly influence our crucial campaigning and lobbying work across the UK, at both a local and national level. Make a difference Have your say on key business issues. In the last 12 months, we’ve asked our members about business confidence and costs, insurance, finance, skills, energy, and disability and health.
Make an impact Your answers provide valuable data for our policy reports and our quarterly Small Business Index. We highlight what’s really happening in the small business community and test potential solutions. “I truly appreciate the wide breadth of opportunities offered by FSB, the team are really supportive and the Big Voice initiative is so valuable. You feel like you’re part of something bigger, a wider community, where your perspective on the needs of small businesses can have a positive influence and impact.” Tania Diggory, Founder and Director of Calmer
Join thousands of FSB members already having their say. Sign up today at fsb.org.uk/bigvoice
22 | fsb.org.uk
FSB Celebrating Small Business Awards Celebrate your success at our annual awards. Entering an award can bring enormous benefits to your business. Even if you don’t walk away with the top prize, you’ll gain insights, information and ideas that you can build into your own business.
It’s free to enter. The awards are open to all small business owners and the self-employed across the UK. Put your business in the spotlight. With winners from each category securing a spot at the prestigious UK final and a chance to be crowned the UK Small Business of the Year, it’s an opportunity for widespread recognition. Gain exposure. Whether you’re shortlisted as a finalist or lucky enough to win a trophy, our entrants get local and national media attention, as well as across social media.
Networking opportunities. Connect with other small business owners and industry leaders from a wide range of sectors. Celebrate your achievements. Reflect on your success and innovations, see how far you’ve come, and position yourself against your peers. Expert judges. Entrants are judged by a panel of respected business leaders with a wealth of experience in their industry.
Multiple categories. Going the extra mile to be sustainable? Full of entrepreneurial spirit? Running a family business? With a variety of categories to choose from, you’ll find one where you can shine.
“I’m thrilled to have been named the UK’s best entrepreneur by the Federation of Small Businesses – it means a lot to be recognised by an organisation like FSB. “In my PhD I made a new class of antibiotics. A new class of antibiotics hasn’t reached the clinic in over 35 years. People ask me why I do what I do, and it’s because I want to save lives, not because I want to make money, if I did, I’d have gone into oncology.”
Dr Kirsty Smitten CEO and founder MetalloBio Limited (UK overall winner, 2023)
CELEBRATING SMALL BUSINESS AWARDS
#FSBawards
November 2023
fsb.org.uk facebook.com/federationofsmallbusinesses
@FSB_Policy | @FSB_Voice federation-of-small-businesses @fsb_uk
Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24Made with FlippingBook. PDF to flipbook with ease