Reopening your business checklist ​

After Boris’ speech on Sunday, selected businesses are now allowed to open under the new HSE guidelines. If you are considering opening your Business work your way through our checklist to make sure it is the right time to open and that you have all the steps in place to make a safe environment for you and your team. 

1. Do we have a plan to reopen with ‘social distancing’ in place when our business is legally allowed to?

  1. Do we have a supply of hand sanitiser available for all entrances and exits used by staff and customers?
  2. Can these sanitisers to be fixed in place to minimise theft?
  3. Have we done a deep clean of our premises?
  4. Do we have a supply of face masks for staff? If possible branded? Contact Kiiwii. 
  5. Have we worked out how to minimise the risk to staff by introducing social distancing wherever possible? E.g. spacing out seating, staggering shift times or rotas, placing visual markers where queues form to help people socially distance?

2. Do we have a plan to reengage with staff who have been furloughed?

  1. Are they physically able to return to work? And on what basis?
  2. What hours do we need them to work? And does this require formal HR assistance if there is a major impact to their working hours or contract? 
  3. What training will they need to be safe and competent doing their job?
  4. Will they need to be reskilled or reassigned? And how will this happen?

3. Have we forecasted the impact of social distancing on our business?

  1. Reduced demand and capacity?
  2. Cash flow? Turnover? Profit?
  3. Resource requirements?
  4. Parents of school age children may still need to be at home with their children?

4. Have we identified ways to reduce the need for customers to physically be on our premises?

  1. Telephone and/or internet ordering?
  2. Photos or videos of our products/services on our website?
  3. Deliveries to customer homes?
  4. Click and collect?

5. Have we done a risk assessment and implemented recommendations to minimise the risk to our staff?

  1. How to reduce contact in our offices and premises?
  2. Increased cleaning of all surfaces?
  3. Education and training to staff on how they will play their part to keep everyone safe?

6. Have we identified ways to increase demand for our business’s services or products whilst still remaining ‘COVID-19’ secure?

  1. New products or services which will be in demand?
  2. Different ways of delivering the service or fulfilling the order or demand?
  3. New channels to market? E.g. direct to consumers?

If you would like some help and advice about re-opening your business please contact jade@1accounts.co.uk

What has changed? ​

On Sunday Boris Johnson addressed the UK and gave a speech that confused the nation. Stay alert, control the virus, save lives. Full of contradictions the speech lacked clarity and direction leaving the UK feeling lost. Yesterday, in parliament we gained a little more clarity on the road map, however each step is conditional to the spread of the virus and still lacks detail on how business will be able to reopen and when people will be able to see their families. So what has changed? We have written a summery of the changes so far in the roadmap, all of which are subject to change if the virus escalates. For the full documentation please click here. 

Phase One – Effective from 13th May

  • For the foreseeable future, workers who are able to work from home should continue.
  • Workers who are unable to work from home should travel to work where possible.
  • Sectors of the economy that are allowed to be open, should be open. This includes food production, construction, manufacturing, logistics, distribution & scientific research in laboratories. These business should follow the new “COVID-19 Secure” guidelines that will be published this week.
  • People should aim to wear a face-covering in enclosed spaces where social distancing isn’t always possible. If your business would like branded face masks please contact Kiiwii Clothing.
  • People may exercise outside as many times each day as they wish. Making sure social distancing is still in effect.
  • People may drive to outdoor open spaces as long as social distancing is adhered to.
  • People can meet up with one other person not from their household to exercise with, providing they stay two metres apart. Paul will be happy as he will be able to play golf again.
  • Vulnerable people to continue to minimise contact with others outside their households, but do not need to be shielded.

Phase Two – Effective from June 1st (at the earliest)

  • A phased return for schools. The department of education will engage closely with schools and nurseries to develop detail and guidance on how schools can facilitate this.
  • Opening non-essential retail. Hospitality and personal care are not included in this phase.
  • Permitting cultural and sporting events to take place behind closed-doors to be broadcasted. 
  • The re-opening of more local public transport. Subject to strict measures.
  • Potentially allow people to expand their household group to include one other household.
  • The Government is also looking into how to facilitate small weddings.

Phase Three – Effective from July 4th (at the earliest)

  • To open personal care businesses, such as hairdressers and beauty salons.
  • To open hospitality, such as restaurants, pubs and accommodation.
  • To open public places, such as places of worship.
  • To open leisure facilities, such as cinemas.

These steps are all subject to following the COVID-19 secure guidelines. Venues that are naturally crowded and cannot execute social distancing may still not be able to open.

Each phase will be monitored and the Government have expressed that they will not hesitate to lock everything down again if the virus escalates. Social distancing must be followed to be able to move forward with the roadmap.

Going ‘back to normal’ seems a long way off. But the most important thing, is for everyone to stay safe and healthy.

Have you got a government gateway?

The help and advice that is available from the Government is forever changing. This is the latest update we have on how to apply for the self-employed grant. 

For those who are eligible, you will receive an EMAIL, not a letter as we had thought. Be aware that there are lots of phishing emails out there, HMRC’s email does not ask you to click on anything.

If you are unsure if you are eligible please follow this link –  https://www.gov.uk/guidance/claim-a-grant-through-the-coronavirus-covid-19-self-employment-income-support-scheme. Please make sure to put capital letters for your NI number otherwise it will fail. If you believe you are eligible but the calculator is failing, please get in touch and we will try and help.   

If you qualify you will be able to claim from the 13th/18th of May. To claim you will need a Government Gateway! 

If you do not have one, please follow these steps to set one up. We recommend you do this NOW to avoid any delays. 

https://www.gov.uk/personal-tax-account

If you have forgotten your username and/or password you can get these reset with HMRC. 

https://www.tax.service.gov.uk/account-recovery/lost-user-id-password/check-email?state=5eb2c2442100008e90c6e413&ui_locales=en-GB 

From what we have seen, we will not be able to claim your grant through our gateway. This could change, but to avoid the delays in getting your grant please make sure your gateway is set up. 

If you need help applying please email jade@1accounts.co.uk 

A bank building toy. New Loans for small businesses announced

New loans for small businesses announced

New loans for small businesses announced.

Sadly, lockdown doesn’t seem to be ending soon. This means that we are going to be seeing more pressure on the economy and the chances of this being a 12-week blip to the economy with a large bounce back are getting less and less as lockdown trundles on. Cheesy as it sounds, do remember that we are there to support you and your business through this difficult time.

In this blog I wanted to take you through some of the new announcements yesterday by the government, plus an update on what is happening with the financial package the government announced.

We are now seeing local authorities pay the £10,000 and £25,000 grants to small businesses and the first Furlough payments come through into our clients’ accounts.

Use this tool to see what financial help your business can access

The government has also put together a handy tool for any business owner to see what financial help they are entitled to or can claim or access. Go here to access.

Government announces ‘bounce back’ microloan scheme for small businesses

Piggy Bank

Yesterday, the government announced that small businesses will get access to 100% taxpayer-backed loans. This may have something to do with the fact that the CBIL scheme was struggling to get the money out to small businesses who needed it and the banks being reluctant to lend the money!

The great news is that the scheme opens next week and is said to have been simplified to an online form, which is 2 pages in length. And unlike the previous CBIL scheme, businesses only need to show they were a viable business before the COVID-19 crisis hit, and their business is negatively impacted by COVID-19.

Let’s look at the detail of the scheme which are available:

  • Loans of between £2,000 and £50,000 are available
  • The government guarantees 100% of the loan
  • No fees or interest to pay for the first 12 months (and the government pays the interest for the first 12 months)
  • The government is working with lenders to agree a low ‘standardised’ rate of interest for years 1-6 of the loan.
  • Loan terms will be up to 6 years
  • It launches formally on 4th May and the cash is believed to be available within days

Only businesses who haven’t accessed the CBIL scheme can apply. However, businesses with a CBIL loan of under £50,000 can transfer it into the bounce back loan scheme and have until 4 November to arrange this with their lender.

We are seeing reported that businesses will be able to borrow up to 25% of their turnover, however, have not been able to verify this on the government’s official announcements.

Full details of the bounce back scheme are here

If you would like to talk to us about accessing the bounce back loan scheme, please get in touch. We don’t yet know the full extent of the information which needs to be provided, but we would expect that your books would need to be up-to-date.

Do you run a children's nursery?

Do you run a children’s nursery?

DO YOU RUN A CHILDREN’S NURSERY?

Beware of the new furlough rules! 

If you operate a Childs Nursery or playground and receive funding from the County, please be aware of the new rules that were introduced by the Government on Friday.


Click here for government guidelines

Due to this change in guidance you will now need to calculate the private and state funded proportion of your income to see how you can apply to Furloughing your staff. In some cases you may not be able to Furlough staff.

There is a good illustration on the update which we have copied below to help you:

If a provider’s average monthly income is 40% from DSG and 60% from other income, the provider could claim CJRS support for up to 60% of their paybill. 

This would be done by furloughing staff whose usual salary / combined salaries come to no greater than 60% of the provider’s total paybill. 

These proportions could change in subsequent furlough applications as a result of DSG income changing (but not where income from parents increased or decreased). For example, if this provider subsequently receives additional DSG income from a local authority as a result of providing additional hours of childcare, such that its new DSG income would represent 55% of its total income in February 2020, then its maximum use of the furlough scheme should, from that point, be reduced to 45% of its paybill. 

If you need help with this we suggest that you call your accountant immediately as this will cause a problem if you have furloughed your staff.

If your accountant can’t help we will do our best to help you, just e-mail jade@1accounts.co.uk with subject title ‘Childs Nursery URGENT’  and we will do our best to help you.

Update

What we know so far update!

What we know so far update!

We now have some more guidance on the government’s help for individuals, businesses and the self-employed. For full details of all the help available see the government web page here.

The Small Business Grant Fund and the Retail, Hospitality and Leisure Grant Fund

Most local authorities who are administering these will have been in touch with eligible businesses, and are requiring them to fill in a form in order to be able to receive the grant. It is worth you claiming your grant promptly as we are seeing most local authorities paying out the money very quickly.

If you are a rateable business but you were in a serviced office where part of your rent went towards your rates, and you haven’t yet been contacted. Please get in touch as we may be able to negotiate for you to receive one of the grants.

Each business eligible for these schemes will receive one grant per property. So, if you have 2 cafes, then you would get 2 grants.

Check the government guidelines to see if your business is eligible for the grants here.

If you haven’t already claimed your grant, here are the links for:

Babergh & Mid Suffolk: www.midsuffolk.gov.uk/business/business-rates/grant-funding-schemes/

East Suffolk Council: www.eastsuffolk.gov.uk/business/covid-19-business-grant-funding/

Ipswich Borough Council: www.ipswich.gov.uk/businessratesgrant

West Suffolk Council: www.westsuffolk.gov.uk/c19business

The Coronavirus Job Retention Scheme

A long and very detailed guidance on eligibility and what you can claim for can be found here

But, these are some of the key points you may like to know:

  • Only employees who were on your payroll (regardless of the type of contract) on or before the 28th February are eligible for this scheme
  • Employees who you may have made redundant (due to COVID-19) before this scheme was announced can be ‘rehired’ and then furloughed
  • Directors of limited companies CAN furlough themselves and carry out their statutory duties.
  • The business can claim for up to 80% of their pay, up to a cap of £2500 monthly pay AND minimum pension contributions and employer NI contributions on their subsidised furloughed pay
  • Employees can be furloughed from the 1st March

The government is in the final stages of testing a portal for businesses to submit their claims for wages for furloughed employees under this scheme. This is believed to potentially go live on the 20th April and first payments due from 30th April. Until then, you need to pay your Furloughed employees, and then claim back money from the government.

The Coronavirus Business Interruption Loan Scheme

The banks seem to have not got the memo from the government to lend to businesses sadly. The government has recently intervened and some of the requirements to access these loans have been removed, namely:

  • Personal guarantees for loan amounts up to £250k
  • Been turned down for a commercial loan

However, the banks are struggling to turn around applications quickly right now. So, we recommend that if you want to access this scheme that you try your current business bank first. We can help you get all the paperwork together, such as providing before COVID-19 and after COVID-19 forecasts, management accounts etc.

Help for the self-employed (or member of a partnership)

More about this scheme here. However, you still can’t apply for it yet, and the current thinking is money is going to be paid out in June to self-employed people.

How to preserve your cashflow during Covid-19

How to preserve your cashflow during COVID-19 crisis

How to preserve your cashflow during COVID-19

As the saying goes, turnover is vanity, profit is sanity and cash flow is king. And never has that saying been ever truer. Use this tips sheet to help you preserve your cash flow so you are ready and able to trade again as normal when the restrictions lift.

Tip 1: Know when you are going to run out of cash

It is really easy to get caught up in hysteria and believe that your business is going to go bust. When we recently spoke with an insolvency practitioner, they told us that only 5% of the calls they are receiving at the moment are for businesses that are genuinely insolvent. If you haven’t already, it’s time to look at how long your cash will last if the lockdown restrictions remain. (If you need help with this, then let us know) When you know how long your cash will last you then you can take sensible decisions in regards to your business.

Money bag

Tip 2: Make sure your books are up to date

Book

I know we accountants are always telling you to keep your books up to date. But it now more important than ever to know the true picture of your finances. If you don’t know what you owe and what is owed to you then, you can’t take the right decisions. For those of you still relying on spreadsheets or desktop software for your books, now is the time to go onto the cloud. We, as a firm, can’t easily advise you if we are looking at out of date figures. And the benefit of the cloud is we can see exactly what you can see.

Tip 3: Look to take advantage of all the government financial help which is available right now

The best type of borrowing is the borrowing you don’t have to pay back. And there are grants worth £10k or £25k for most small businesses with premises who pay rates or who get small business rates relief. If you haven’t already claimed your grant from your local authority then give us a call. Once you’ve checked this look at the following to see if your business is eligible:

  • Deferment of VAT payments
  • Coronavirus Job Retention Scheme
  • Paid sick pay
  • Business rates relief
  • Accessing a Coronavirus Business Interruption Loan

Tip 4: Analyse your business costs and pare it back to the bare essentials

Now is the time to examine your overheads. What exactly can you eliminate or cut back on and still be, either able to trade, or be able to trade when the restrictions are lifted?

pound symbol

Tip 5: Do you have an opportunity to reduce your wage bill?

arrows pointing inwards

Wages are often a business’s biggest costs. Which of your employees can you Furlough or make redundant in order to save costs? If you believe you wouldn’t be able to employ your whole team again after the lockdown restrictions are lifted, you may be better off in making them redundant now.

Tip 6: Prioritise actions which are the quickest ways to generate cash

Normally they are in this order:

  • Chase late payers
  • Change your payment terms to get paid quicker with current customers or clients
  • Give long-term customers/clients the opportunity to pay in advance for work (potentially with a discount added?)
  • Bill any customer/client with outstanding work which can be invoiced
  • Focus your sales team on your warm leads
  • Consider what can be your business equivalent of a ‘toilet roll’, i.e. what can you change about the product/service you deliver or how you deliver it which will make it an ‘in-demand’ item?

With all these cash flow tips, we can help you take balanced and rational decisions about what to do to preserve your cash flow in these very difficult trading conditions.

Ice cream

How to keep employees motivated when working virtually

How to keep employees motivated when working virtually.

Working virtually for a day or two is often a welcome relief from the noise and distractions of the office. But after a while, as sure as the sun rises in the morning, the novelty will wear off. This tip sheet is there to help you keep your team happy, healthy and motivated regardless of whether they are in the office or at home.

Tip 1: Regularly pick up the phone to talk to employees

Imagine you were back in the office. You’d probably now and then circulate around the office and have a natter with your team. Of course, with everyone working virtually, this just isn’t feasible to do. So, make a point of picking up the phone to speak with a team member or two each day, just to see how they are.

Old telephone

Tip 2: Keep an eye out for who has gone quiet

In these uncertain times many people process their fear and uncertainty by going very internal. In other words, they will go quiet and not contribute much to any of the dialogue. If you have one of these members of staff, then make a point of giving them a phone call and asking them explicitly how they are feeling right now. And if your instinct says they are not fine if they say “fine” in response to that question, ask more questions of them.

Tip 3: Set up a group chat for each individual team and encourage a mix of 50/50 work vs non-work stuff

If you were sitting in the office every day you wouldn’t just talk work, so it is the same when your staff are working from home. It may take a while for the conversation to get going on the group chat, so much sure that you take the lead. See something which makes you laugh? Then share this. Getting annoyed by the kids being under your feet at home now? Then share this. Loving the fact that the sun is shining, then share this. Etc (You get the idea…)

Tip 4: Encourage your team to look for the positives

Thumbs Up

Right now, it doesn’t feel like much is positive. However, looking for the positives is a great way to counteract all the doom and gloom, and constant fear in our minds. You will need to lead the ‘being positive’ attitude with your staff. For example, how about on the group chat ask everyone to tell them something good which has happened today. Or share something which made them laugh.

Tip 5: Set up daily team calls

It depends how many staff you have whether you have all employee calls or individual team-based calls, or a mixture of both. If you have young, inexperienced or staff who are struggling working based from home you may like to have 2 of these calls; one in the morning and one after lunch. Ideally, in these calls you want everyone to answer these questions:

  • How am I feeling right now?
  • What am I happy, grateful or positive about?
  • What am I planning to get done today?
  • What help do I need to get this done today?

Tip 6: Encourage your staff to do some exercise and get outside every day

This isn’t the time or place to lecture about the benefits of exercise. But it is a great mood and immune system enhancer, and even more so when the sun is shining and we can get out into nature. (And we all need this right now!) Many of your employees may fall into the trap of working from their desk all day. So, encourage them to think about their own well-being and how they will look after their physical and mental health in this uncertain time.

Trainer

Tip 7: Help your staff structure their day

Calander

It’s really easy when working from home to get sucked into the myriad of distractions available… laundry, Netflix, social media, kids …. Therefore, you may need to have a 1:2:1 with each member of staff to help them think through how they are going to structure their workload, particularly if they now have the kids at home and need to spend time looking after them

Tip 8: Be the strong leader your team need

You need to be there and present for your staff. Now is not the time to hide in a corner and stop talking to people. Your staff are looking to you to keep them calm, positive and motivated. This doesn’t mean bottling up your own fears and vulnerabilities. Actually, this is the time to admit to your staff that you are scared too. Strong teams form when leaders are prepared to admit their vulnerabilities.

Strong arm

Tip 9: Take decisive action

Your team are looking for you to take decisive action and be clear in what you want and need from them. It’s pretty easy to get down and depressed when you don’t know what is expected or required from you. The more direction you can give your team now, the better the morale will be from your staff.

Tip 10: Encourage staff to have a buddy to check in with

Remember that your business is not just you. How about encouraging team members to buddy up and look out for each other?

Tip 11: Remember to praise and thank staff more than normal

We often take our staff for granted. So, now is the time to make sure you are showing how much you appreciate the effort from each member of your team.

Tip 12: Make it easy for staff to speak up in meetings

If you struggle to get your staff to talk in meetings, it is going to be even harder to get them to talk when you and they are working virtually. If this is the case for your business, then start a document which everyone can access virtually and contribute to with agenda items for the meeting. In addition to this, start each remote meeting by asking everyone to answer some basic questions in the chat box, such as “on a scale of 1 – 10, where 1 = very down and 10 = amazingly positive, where are you today”.

Tip 13: Don’t talk about ‘remote workers’, talk about ‘virtual working’ or ‘virtual team members’

The language you use with your team really does matter. Talking about people as remote or workers can really emphasis the distance between your team and contribute to a sense of isolation.

Calendar - virtual meeting

Running effective virtual meetings

Running effective virtual meetings

Videoconferencing has been available for decades for larger companies, but until recently the majority of meeting attendees would be collected in a meeting room, with only a handful of people joining by video or audio. It takes effort for those in the room to remember that anyone is taking part remotely and the very word “remotely” subconsciously lessens their impact on the course of the meeting.

Very few businesses have had to hold meetings where all of the attendees are in different locations, so many people are only now learning how to adjust “in person” meeting processes to fit a virtual space.

Arranging the meeting

The basic setup for a formal meeting is very similar to meeting in person. As usual, you would circulate an agenda, details of when and where the meeting is taking place, preferably a minimum of 1 day before. This gives everyone time to check that they have the right equipment or software to join. The most popular virtual meeting services make it as easy as possible to join, but if you have any doubts, it’s useful to circulate joining instructions.

As host, and especially if you haven’t done this before you should have  a trial run to make sure you know how to do basic things, such as muting microphones if any participants have a noisy background that could distract from others. If possible, it’s best to set audio so that everyone’s microphones are muted when they first join.

Microphone
Video Camera

Many companies have a policy of ensuring all attendees have video enabled. This may seem intrusive, but it does minimise the chances of misunderstandings if everyone can see a face instead of just a voice. It also helps add to the illusion of being in the same room.

If you need someone to take notes, nominate them in advance. If you don’t think it’s necessary, some virtual meeting services allow you to record the meeting, just in case you need to refer back. Remember to press “record” when the meeting starts!

Check how you appear on camera

Appearances still do matter in this time. Make sure that you are able to look into and through the camera when the meeting is on, rather than staring at the screen. Also make sure that your whole face appears on the screen, and the camera isn’t pointing at the top of your head or your chest.

Pick a quiet and tidy space for the meeting

But it’s not just how you appear on screen, it’s also what’s in your camera background. Given how quickly people were told to work from home and the restrictions on space, people are a lot more forgiving at the moment. But make sure you don’t have a messy room behind you, and try not to have washing – particularly things like underwear – drying behind you.

If possible try and pick a room for the online meeting where other members of your household will not be visible. Sometimes this is much easier said than done when you have children in the house. Particularly those of an age who don’t understand that “Mummy is on a call right now” means, do not disturb.

Starting the meeting

Hand Wave

It’s best for hosts to arrive 5 minutes early to the meeting, and get the meeting started early. This allows time for you to fix any problems and prevents any early birds from assuming it’s not working.

Depending on numbers coming, begin by welcoming each attendee, acknowledging their virtual presence in the same way as you would in person. It helps to get everybody into the same mindset as they would be if they were meeting you in the office. Just as you would in a face-to-face meeting, ask attendees what they would like to achieve or get decided in the meeting.

It’s often a good idea to have a few open questions ready to ask at the start of the meeting to get people to interact. If you have more than 4 or 5 people in the meeting, it is worth using the chat box to quickly capture people’s answers and keep the energy up at the start of the room.

Managing progress

Long meetings are often counterproductive in person, so the same applies virtually, even if people are sitting somewhere more comfortable. If you have too much to discuss, break it into shorter meetings with breaks, or circulate explanations in advance and ask for input. This avoids what Harvard Business Review calls “collaborative overload”, where you spend more time in meetings than actually working.

If more than a handful of people are taking part, make it clear when people can speak, to avoid people talking over each other. How you manage it depends on what’s under discussion. A team meeting would naturally mean various people take turns to give updates. A more free flowing discussion would involve you keeping track of who isn’t speaking and who’s dominating the conversation. You can draw quiet participants out by asking for their opinion on an item, or for an update on something.

You may like to have a rule that if someone wants to speak they put a physical (or virtual) hand up. This minimises the chances of someone talking over you on an important point.

People can be braver at a distance, so if there are disagreements, suggest following up after the meeting, when people have calmed down.

Closing the meeting

Once you’ve covered everything you need to discuss, it’s useful to summarise any decisions made and confirm who will carry out any resulting tasks. Even in person, it’s easy for misunderstandings over tasks and responsibilities to arise, so it’s doubly important to check things in a virtual meeting, where audio and visual cues aren’t as clear as usual.

The small business grant - are you eligible

Claim Your Small Business Grant – TODAY

Claim Your Small Business Grant – TODAY

If your business is eligible for small business rate relief OR rural rate relief:

Your local authority will provide you with a one-off grant of £10,000. (So, doesn’t need to be paid back).

If you are a retail, hospitality or leisure business:

The government is giving you a payment holiday for your business rates for the 2020/2021 tax year. This will be administered via your local authority. If your business received the retail discount in 2019/2020 tax year, your local authority will rebill you as soon as possible. A £25,000 grant will be provided to retail, hospitality and leisure businesses operating from smaller premises with a rateable value between £15,000 and £51,000. Your local authority will be able to tell you whether you are eligible and how to claim

Small businesses in Suffolk urged to access £200m pot of COVID-19 aid

Eligible businesses across Suffolk are being urged to access grants of £10,000 or £25,000 to help them through COVID-19 crisis.

The Government has allocated over £213m to support qualifying businesses in Suffolk who are struggling because of restrictions in place to combat the Coronavirus.

There are over 15,000 eligible businesses across the county who can access one of two grants of either £10,000 or £25,000 to help with their ongoing business costs.

To access the schemes, please visit the corresponding Local Authority:

Babergh & Mid Suffolk: www.midsuffolk.gov.uk/business/business-rates/grant-funding-schemes/

East Suffolk Council: www.eastsuffolk.gov.uk/business/covid-19-business-grant-funding/

Ipswich Borough Council: www.ipswich.gov.uk/businessratesgrant

West Suffolk Council: www.westsuffolk.gov.uk/c19business