Financial information disclaimer

1. Scope and Limitations

Financial information on this site is general information, not regulated financial advice. We are not authorised to advise you on borrowing, banking or investments. Figures are illustrative and depend on your own circumstances.

The Small Team Builder provides general operational and financial information designed to assist UK small-business owners. Absolutely nothing on this site constitutes a personal recommendation or regulated financial advice to buy, open, or apply for any specific financial product, including but not limited to the Tide business account or the Capital on Tap business credit card.

2. Use of Calculators and Tools

This tool organises your own inputs against published rates and clearly stated assumptions. It does not know your business, and it never tells you what to do.

Our calculators process inputs against figures maintained in the site's central tax-variable record. When that record is designated as 'awaiting review', you must treat any output strictly as a structured estimate intended for illustrative purposes, not a definitive financial answer. Always confirm current rates directly on GOV.UK or HMRC before relying on any generated number for a material business decision.

3. Approach to Credit and Borrowing

Any editorial discussion concerning borrowing, including business credit cards, mandates the clear presentation of the cost of debt and the inherent risks of providing a personal guarantee, placed directly alongside any promotional reward on offer. If your business is facing financial difficulties, we strongly urge you to seek free, independent debt advice from organisations such as Business Debtline, rather than pursuing further credit.

4. The Necessity of Professional Advice

Where a financial decision genuinely hinges on your specific business numbers, corporate structure, and individual circumstances, it is imperative that you seek bespoke advice from a qualified, regulated financial adviser or chartered accountant rather than relying on the generalised guidance provided here.