For owner-managed UK companies
Keep more of what your business makes
The tax you pay, the bills you run up and the cover you hold all have room in them. Each service below shows the figure that matters and takes you to its own page.
Where the money goes and how to keep more of it
Tax, cover, bills, finance, customers and staff. Pick the one that is costing you most.
Save tax
How each pound of profit is taxed on the way out of the company, and the reliefs and structures an owner can use before it leaves.
is the main rate of Corporation Tax on profits over £250,000. Profits of £50,000 or less pay 19%, with marginal relief between the two. GOV.UK, Corporation Tax rates.
Find out moreBusiness insurance health check
Sums insured, turnover, staff numbers and stock change during the year. The policy was written for the business as it stood at renewal. The health check compares your cover with the business as it is now.
of UK firms with 1 to 9 staff had no employers' liability insurance, which the law requires of most employers. ABI and Public First, January 2026.
Find out moreRelevant life insurance
Life cover a company takes out on a director or an employee. The policy sits in a trust and pays the person's family. The company pays the premiums and HMRC sets the conditions.
is the limit on the age the policy can run to. It must pay a capital sum on death under a specified age of no more than 75, and it can have no surrender value. HMRC Employment Income Manual, EIM15045.
Find out moreDirectors' financial planning
Pension contributions paid by the company, protection and the order in which a director draws salary, dividends and pension. Planned as one picture.
of eligible employees at private sector micro employers with fewer than five staff were saving into a workplace pension in 2025, against 90% of eligible employees overall. DWP, Workplace pension participation 2009 to 2025.
Find out moreEnergy switching
Business contracts sit outside the Ofgem price cap and the smallest users pay the highest unit rates. The switching service checks your contract end date, unit rate and standing charge against the market.
per kWh was the average electricity price paid by very small businesses in the first quarter of 2026. The average across all non-domestic users was 24.14p. DESNZ Quarterly Energy Prices, June 2026.
Find out moreBusiness finance
Loans, overdrafts, invoice finance, asset finance and commercial mortgages from high street banks, challenger banks and non-bank lenders. A broker puts your case to the lenders likely to accept it.
of gross bank lending went to UK SMEs in 2025, up 9% on the year. Around half of SMEs used external finance, with credit cards and overdrafts the most common products. British Business Bank, March 2026.
Find out moreTrade marks and brand protection
A registered trade mark gives you the right to act against anyone using your name or logo without permission, to use the ® symbol and to sell or license the mark. An attorney checks the register and files for you.
is the Intellectual Property Office fee to register one trade mark in one class, with £50 for each further class. A registration lasts ten years and can be renewed. GOV.UK, Register a trade mark.
Find out moreClient retention
What losing a client costs in replacement effort and lost margin, and what keeping one is worth over the years you hold them. How to measure it and where the leaks usually are.
of customers who rate an organisation 9 or 10 out of 10 say they are likely to stay with it. For those who score it 8 the figure is 65.8%. Institute of Customer Service, UKCSI July 2026.
Find out moreCustomer loyalty
A loyalty scheme that gives your customers a reason to come back and your business a record of who buys what and how often. Built for an SME, with no app to develop.
of UK customers say they would pay more for a higher level of service. 11.6% put price above everything else. Institute of Customer Service, UKCSI July 2026.
Find out moreFinancial wellbeing for your employees
A benefit your staff can use for help with debt, budgeting, pensions and protection. It is provided by a financial education platform used by UK employers and costs the business nothing.
was the average sickness absence per employee in 2025. 57% of employers said factors outside work, including financial concerns, were among the causes. CIPD and Simplyhealth, Health and Wellbeing at Work 2025.
Find out moreBusiness networking
Regular, structured meetings with other owners of established companies in your area. Referrals, suppliers you can trust and people who have already solved the problem you are looking at.
Most owners find their best suppliers, advisers and clients through someone they already know. A networking group puts that on a schedule.
Find out moreWhat are you doing to save tax?
Our free document sets out the ways an owner-managed company can pay less tax, from the easiest to the ones that take planning.
Ways to save taxAbout IQ Money
What does IQ Money do?
IQ Money shows owners of established UK companies where their money goes and introduces specialist firms that can reduce it. Each service has its own page with the figures. IQ Money does not perform the services and does not give tax, financial or legal advice.
Is there a charge?
IQ Money does not charge you for an introduction. Several of the services, such as the business insurance health check and the staff financial wellbeing benefit, cost you nothing. Where a firm charges for its work, it tells you the fee before you commit to anything.
Who is IQ Money for?
Owner-managed companies that have been trading for some years, make a profit and want to keep more of it. Most of the services also suit sole traders and partnerships. Relevant life insurance and the staff benefit need an employer with staff.
Figures on this page come from GOV.UK, the Association of British Insurers with Public First (January 2026), HMRC's Employment Income Manual, the Department for Work and Pensions (2025), the Department for Energy Security and Net Zero Quarterly Energy Prices (June 2026), the British Business Bank (March 2026), the Institute of Customer Service UK Customer Satisfaction Index (July 2026) and the CIPD with Simplyhealth (2025). Each is quoted as published. The services are provided by independent firms and IQ Money does not perform them. Nothing on this page is tax, financial or legal advice. Speak to your accountant or a regulated adviser before acting on anything here.