Every business is different, so the right solution depends on your circumstances. If you're unsure whether something is right for you, we're always happy to talk it through before you make a decision.
Some of the links on this page are referral links. If you choose to use them, we may receive a small benefit (such as referral points) at no extra cost to you. This never affects our advice.
Capital on Tap
Why we recommend it
A simple business credit card many clients use to help manage short-term cashflow and everyday expenses.
- Quick and straightforward application
- Easy to use alongside cloud bookkeeping software
- Useful for short-term flexibility
If you apply via our referral link, you’ll receive £75 in reward points once approved.
What it does
- Provides a business credit card for day-to-day expenses
- Interest-free periods (subject to terms)
- Points-based rewards system
- Integrates with popular accounting software
Suitable for
- Owner-managed businesses needing short-term flexibility
- Directors wanting to separate personal and business spending
- Businesses comfortable managing and clearing balances
Not suitable for
- Businesses already struggling with debt
- Anyone looking for long-term borrowing
American Express
Why we recommend it
A useful option for businesses with regular card spend who want to earn rewards while managing cashflow.
Many clients value the Avios points earned on everyday business spending, particularly if they already collect Avios for travel.
Applying via our referral link provides bonus Avios points once approved.
What it does
- Business credit cards with Avios rewards
- Allows short-term spending flexibility
- Spending insights and supplementary cards (product dependent)
Suitable for
- Businesses with regular card-based expenses
- Directors who pay balances off in full
- Businesses that benefit from Avios rewards
Not suitable for
- Businesses that struggle with credit discipline
- Businesses that won’t benefit from travel-related rewards
Adfin
Late payments are one of the most common cashflow challenges we see.
Adfin helps automate invoicing, payment collection and credit control so businesses spend less time chasing invoices and more time running the business.
Why we recommend it
- Automates payment reminders and chasing
- Brings invoicing and payments into one place
- Improves visibility of outstanding invoices
- Reduces admin and awkward payment conversations
Clients referred through us receive preferential payment rates.
What it does
- Send invoices quickly from anywhere
- Collect payments via Direct Debit, card or bank transfer
- Automatically send reminders for unpaid invoices
- Provide a dashboard showing outstanding payments
- Integrate with accounting software for easier reconciliation
Suitable for
- Service-based businesses invoicing clients
- Businesses using recurring invoices or payment plans
- Owners spending too much time chasing payments
- Professional services, trades, construction and wholesale
Not suitable for
- Retail or hospitality businesses taking payment at point of sale
- E-commerce businesses collecting payment upfront
Referral benefit
If you sign up via our link you’ll receive:
- Preferential payment rates
- A £100 Amazon voucher once you process your first £1,000 of payments
Telleroo
Telleroo makes payment runs faster, safer and more controlled by linking payments directly to your accounting or payroll software.
Why we recommend it
- Reduces manual payment admin
- Helps prevent errors when making multiple payments
- Improves visibility and approval controls
- Keeps your bank access secure
What it does
- Send bulk payments to suppliers, staff or contractors
- Sync payment details from accounting or payroll software
- Approval workflows to prevent mistakes or fraud
- Automatic reconciliation back into accounting software
Suitable for
- Businesses running regular payroll
- Businesses with multiple monthly supplier payments
- Directors wanting a more controlled payment process
Not suitable for
- Very small businesses with only occasional payments
Referral benefit
Signing up via our link provides:
- Preferential pricing
- Access to the Free Lite version (up to 10 payments per month)
An admin fee may apply if your accountant processes payments on your behalf.
FreshPay
FreshPay is modern UK payroll software designed for accountants, bookkeepers and growing businesses.
It was built to solve many of the payroll frustrations we regularly see in practice.
We’re also one of the founders, so this is a product we actively use and support.
What it does
- Cloud-based UK payroll processing
- Payroll runs, payslips and RTI submissions
- Statutory payments and compliance
- Manage multiple clients and payrolls
- Secure, accessible payroll data
Suitable for
- Accountants running payroll for clients
- Bookkeepers offering payroll services
- Payroll bureaus managing multiple employers
- Small and growing UK businesses
- Business owners who want clear, reliable payroll
How we support this
FreshPay can be used independently, but we can also support you with:
- Payroll setup
- Ongoing payroll processing
- Integration with your wider financial systems
Why Cashflow Matters
Profit may look good on paper, but cashflow keeps a business running day to day.
Late payments or poor visibility can quickly create pressure, even in profitable businesses.
Having the right systems in place helps you
- Get paid faster
- See what’s coming in and going out
- Plan growth with confidence
- Reduce financial stress
At The Numbers Quarter, we help businesses not only with historic numbers but also with cashflow planning, forecasting and practical improvements that make running your business easier.