How growing businesses are dealing with rising interest rates and inflation

We sat down Lauren Tudor, Financial Planner at Atherton & Associates to discuss how growing businesses are dealing with rising interest rates and inflation. The combination of sharply rising prices with successive increases in interest rates has put pressure on business owners. In our Q&A here we look at managing risk and improving cashflow. 

Based in Nantwich, Atherton & Associates are specialists in all areas of financial planning, offering expert advice to people at all stages of life, including business owners. It offers access to St.James’s Place Entrepreneur Club, offering support to overcome the common stresses of running a business while helping to maximise growth and value.

Financial planner Lauren Tudor says: “Armed with the right insight, we work with business owners at all stages of their journey to address and overcome key concerns and challenges that may be holding back a business from achieving its full potential.”

From pension planning to employee benefits through to assisting with aspects of exit strategies, Atherton & Associates can address key concerns throughout the business owner journey.

In this session we look at how growing businesses are dealing with rising interest rates and inflation 

In the early part of 2022, small-business owners might have been forgiven for breathing a sigh of relief as the UK economy began to open up, with legal restrictions to businesses being lifted.

Yet, just as one crisis started to fade, a number of other significant challenges for entrepreneurs have presented themselves. Looming largest is runaway inflation, which the Bank of England is attempting to control by raising interest rates.

The combination of sharply rising prices with successive increases in interest rates has put pressure on business owners. 

What can you do if your business is trying to deal with rising prices?

Many businesses are contemplating – or have already taken – drastic action to mitigate the impact of inflation. According to a survey published in February by the British Chambers of Commerce, 73% of firms say they are increasing prices in response to rising costs*

How do small business owners deal with this extra pressure?

The hope, according to the Federation of Small Businesses, against a backdrop of spiralling utility bills and surging inflation in the round, is that it goes some way to putting the brakes on rising prices.

How can small business owners improve cashflow and manage risk to their business?

Get serious about planning.

Having a clear business plan can help you focus on growth. If you’re looking at your financial planning to mitigate costs, speak to us for advice or sign up to the Entrepreneur club communications programme to receive timely information and insight relevant to the stage of your business.

Lauren Tudor - Financial Planner

We work in conjunction with an extensive network of external growth advisers and SME specialists who have been carefully selected by St. James’s Place. The service provided by these specialists are separate and distinct to the services carried out by St. James’s Place and include advice on how to grow your business and prepare your business for sale.

*3 in 4 firms raising prices as chancellor warned of ‘Cost of Doing Business Crisis’, British Chambers of Commerce, 10 February 2022, from a survey undertaken between 17 January and 4 February; question answered by 985 businesses.

Atherton & Associates Wealth Management Ltd is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website http://www.sjp.co.uk/products.

Speak to the Team about Financial Planning

For more about Atherton & Associates and the Entrepreneurs club, contact Lauren and the team on the following contact details:

01270 624164

Speak to our Team about Cashflow Finance

We can arrange cashflow finance for businesses whether it’s to boost cashflow, pay business expenses, purchase new equipment and machinery, help with payroll or pay business expenses. 

01270 443510
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Amplo Group
11 Mallard Court, Mallard Way, 
Crewe, Cheshire, CW1 6ZQ

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