INSIGHTS & ADVICE

Straight Talk for Small Business

No jargon. No theory. Just real commercial insight from someone who's been there.

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COMMERCIAL NUMBERS

10 Financial Ratios Every Small Business Owner Should Understand

Gross margin, debtor days, break-even, cash conversion cycle and more. The ten numbers that tell you whether your business is actually healthy.

MOOR & CO · JUNE 2026 · 7 MIN READ
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CASHFLOW

Debtor Days: The Number That Quietly Decides Whether Your Business Survives

Profitable businesses fail because customers pay too slowly. How to calculate debtor days, what good looks like, and how to bring it down.

MOOR & CO · JUNE 2026 · 5 MIN READ
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COMMERCIAL STRATEGY

The Right Question: What Does Your Business Need to Look Like to Support the Life You Want?

Most business owners ask what they can take out of the business. The better question runs the other way. A commercial planning perspective that changes how every decision gets made.

MOOR & CO · JUNE 2026 · 5 MIN READ
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COMMERCIAL INSIGHT

The Missing Half: The Outsourcing List Every SME Has, and the One They Should Have

Every UK small business outsources bookkeeping, HR and IT. Almost none outsource pricing strategy, procurement or commercial planning. Here is the list they are missing.

MOOR & CO · JUNE 2026 · 6 MIN READ
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AI & DIGITAL

Beyond the Chatbot: Why Most Small Businesses Are Missing 90% of What AI Can Do

Most small businesses use AI to answer questions. The ones pulling ahead use it to do things automatically. Six practical applications that free up hours every week, without a technical background.

MOOR & CO · JUNE 2026 · 6 MIN READ
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COMMERCIAL INSIGHT

The Missing Role: The £70,000 Job Every Small Business Needs But Can't Afford

A job ad describes exactly what every growing small business needs. The salary is £70,000. Here's what the role actually does, and what's now available without the hire.

MOOR & CO · JUNE 2026 · 6 MIN READ
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PROCUREMENT

The money hiding in your supply chain, and how to find it

Most small businesses overpay their suppliers. Not because they're careless, because they're too busy to stop and look. Here's a simple framework for finding the savings without damaging the relationships.

MOOR & CO · JUNE 2026 · 4 MIN READ
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AI FOR BUSINESS

AI isn't coming for your business. Ignoring it might be.

Every week another headline about AI replacing jobs. The reality for small businesses is more practical and less dramatic, but just as important. Here's what AI actually does for an SME in 2026.

MOOR & CO · JUNE 2026 · 4 MIN READ
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COMMERCIAL STRATEGY

Pricing: why most small businesses charge too little

Underpricing is one of the most common and most damaging mistakes small business owners make. It's not just about margins, it signals something about your brand you might not intend. Here's how to think about pricing properly.

MOOR & CO · JUNE 2026 · 5 MIN READ
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REAL TALK

What nobody tells you about running a small business

The isolation. The decisions nobody prepares you for. The moments where you genuinely don't know what to do next. This isn't a polished LinkedIn post, it's an honest account of what running a business actually feels like.

MOOR & CO · JUNE 2026 · 6 MIN READ
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BUSINESS STRUCTURE

Are You the Bottleneck in Your Own Business?

If your business can't run without you, you don't own a business, you own a job. How to tell if you're the bottleneck, what it's quietly costing you, and how to start fixing it one step at a time.

MOOR & CO · JUNE 2026 · 6 MIN READ
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MARKETING

You don't need a marketing agency. You need a message.

Small businesses waste thousands every year on marketing that doesn't work, not because the execution is bad, but because the message was never right to begin with. Here's where to start.

MOOR & CO · JUNE 2026 · 4 MIN READ
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CASHFLOW

The Cash Gap: Why Profitable Businesses Run Out of Money

You can be profitable on paper and still run out of money. How to see the cash gap coming and what to do before it hits your business.

MOOR & CO · JUNE 2026 · 5 MIN READ
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PRICING

The Discount Trap: The Maths Nobody Does

A 10% discount sounds small. To stand still, it can mean selling a third more. The maths of discounting that most business owners never do.

MOOR & CO · JUNE 2026 · 5 MIN READ
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CUSTOMERS

Too Big to Lose: The Risk Inside Your Most Reliable Account

When one customer becomes too big to lose, you don't own them, they own you. The hidden risk most small business owners carry without realising it.

MOOR & CO · JUNE 2026 · 5 MIN READ
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EXIT PLANNING

Sellable: What a Buyer Actually Pays For

Most owners think about selling far too late. What buyers actually value, and why the work to make a business sellable starts years before you want to exit.

MOOR & CO · JUNE 2026 · 5 MIN READ
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MARKETING ROI

Which Half? Finding the Marketing Spend That's Working

Half your marketing budget works. The other half is wasted. Most small business owners have no idea which is which, here is how to find out.

MOOR & CO · JUNE 2026 · 5 MIN READ
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COMPETITOR ANALYSIS

Know Your Enemy: How to Use Competitors Properly

Most small businesses either obsess over competitors or ignore them completely. Both lose. How to use competitor intelligence to find where you actually win.

MOOR & CO · JUNE 2026 · 5 MIN READ
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BUSINESS GROWTH

Scaling Without Sinking: How to Grow Without Breaking

Scaling is where good businesses break, outrunning their cash, their margins and their systems. How to grow without it all falling apart.

MOOR & CO · JUNE 2026 · 5 MIN READ
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