The 5 frameworks that fix agency cash flow.

The guide is 12 pages and takes around 10 minutes to read. Each of the 5 frameworks includes a summary, worked example, and step-by-step action plan so you can skim, pick the section relevant to your situation, and apply it immediately.

Yes. Every framework reflects UK tax rules, HMRC deadlines, Companies House requirements, and the 2025/26 and 2026/27 National Insurance and Employment Allowance changes. It also covers VAT timing strategies relevant to agencies hitting the £90,000 registration threshold.

UK marketing, digital, creative, and recruitment agencies with annual revenue between £200k and £5m. It's most useful for founders, operations leads, and finance directors handling payroll, client payments, retainer contracts, and month-end numbers.

The 50/50 Payment Framework requires clients to pay 50% of project fees upfront before work starts and 50% on delivery (or split across agreed milestones). Agencies adopting this framework typically reduce average debtor days by 30-40% and cut late payments significantly, because upfront payment filters out clients who can't commit and locks in cash before resources are spent.

For a UK marketing or creative agency, aim for a minimum of 3 months of fixed operating expenses in cash reserves, with 6 months being the target for sustainable growth. Sub-3 months is a crisis zone requiring immediate action. The guide includes an Emergency Cash Assessment calculator to work out your exact runway figure.

Yes. The guide is delivered by email so we can send you the PDF and occasionally share related resources like our calculators and tax deadline reminders. You can unsubscribe at any time with one click.

Yes, completely free. We publish this guide because most UK agencies we work with come to us during a cash flow crisis that could have been prevented. Sharing these frameworks upfront is more useful than selling them.