Skip to main content
Cumbria Chamber of Commerce, where business belongs.

Search

For a successful business, you need a viable business idea, the skills to make it work and the funding. Discover whether your idea has what it takes.

Forming your business correctly is essential to ensure you are protected and you comply with the rules. Learn how to set up your business.

Advice on protecting your wellbeing, self-confidence and mental health from the pressures of starting and running a business.

Learn why business planning is an essential exercise if your business is to start and grow successfully, attract funding or target new markets.

It is likely you will need funding to start your business unless you have your own money. Discover some of the main sources of start up funding.

Businesses and individuals must account for and pay various taxes. Understand your tax obligations and how to file, account and pay any taxes you owe.

Businesses are required to comply with a wide range of business laws. We introduce the main rules and regulations you must comply with.

Marketing matters. It drives sales and helps promote your brand and products. Discover how to market your business and reach your target customers.

Some businesses need a high street location whilst others can be run from home. Understand the key factors from cost to location, size to security.

Your employees can your biggest asset. They can also be your biggest challenge. We explain how to recruitment and manage staff successfully.

It is likely your business could not function without some form of IT. Learn how to specify, buy, maintain and secure your business IT.

Few businesses manage the leap from start up to high-growth business. Learn what it takes to scale up and take your business to the next level.

FSB finds North-South divide in SME confidence

22 January 2016

FSB finds North-South divide in SME confidenceThe latest Small Business Index from the Federation of Small Businesses has revealed a North-South divide in business confidence.

The FSB Small Business Index for Q4 2015 shows a growing gap in confidence between businesses in Scotland, North East England and Wales and those in the Midlands and the South of England.

While there is good news for the UK as a whole in terms of job creation, increasing revenues and improving productivity, firms in the North East of England, Scotland and Wales risk being left behind according to the FSB.

In Wales, confidence has dropped into negative territory for the first time in two years. In Scotland, confidence levels are at their lowest levels since the start of 2013. Elsewhere the FSB reports that confidence levels have remained stable, supported by the technology and business/professional sectors.

John Allan, FSB national chairman, said: "A clear divide in confidence is now emerging across different parts of the UK, with businesses in the South and in sectors like technology and professional services feeling more positive about 2016. The recent flooding is likely to further weigh on business confidence in the North."

However, overall confidence across the UK remains in positive territory standing at 21.7 points, 4.1 points higher than Q4 2014. Nearly two-thirds (59%) of businesses anticipate growth relatively unchanged from the last quarter, with 24% reporting a growth in revenue in the past three months, the highest since 2010.

The Small Business Index has also highlighted the main concerns that small firms face in 2016. These include the rollout of auto-enrolment, the new National Living Wage and changes to taxes on dividends.

Allan said: "Members are also deeply worried about proposed mandatory quarterly tax reporting, which in its current form will add to the administrative burden of small firms and the self-employed."

He concluded: "Although confidence is patchy across the UK, small businesses continue to show they are resilient, leading the way on employment growth and productivity."

Stay up-to-date with business advice and news

Sign up to this lively and colourful newsletter for new and more established small businesses.