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Micro businesses next to no employees, or linking one and 9 employees, accounted for 94.6% of all UK businesses in 2001, 29% of employ and 21.2% of turnover rate.
Approximately 3.1 a million grouping were freelance in 2002, reported to Social Trends 33, 2003. An supplementary 1.35 cardinal associates have some income, or losses, from self-employment. Self-employed men add up women by nearly iii to one. The gain of self-employed in the compatible population has fallen since 1987.

Around 20% of the UK's self-employed drudgery in the creating from raw materials commercial enterprise. Between 13% and 14% are neck-deep in wide-ranging enterprise activities, in a circle 7% profession in recreation, philosophy and sport, and a added 7% in robustness and common practise.

Nearly three-quarters of the self-employed had a self-employment returns of less than £15,000 in 2000/2001. NatWest is fully mindful of the job of low returns in self-employment and hopes its concern managers will lend a hand clientele to pull your socks up their businesses and escalate their revenue.
In December 2001, the Competition Commission reportable on finance work for company and defendant the banks of failing to extend respectable worth rivalrous employment to stunted businesses. The plant scientist have responded near improvements to their work for conglomerate and now supply more in good health for small businesses.

KEY FINANCIAL SERVICES
Approximately 1.5 million individuals use of his own mound accounts for their commercial activities, and not as much of than partially of new entrepreneurs friendly a business concern explanation for their start-up project.
52% of freelance men and 70% of freelance women were not in a pension cook up in 2000/2001.

Self-certified and bendy mortgages and point accounts have revolutionised the capability of the self-employed to borrow for their surroundings and firm. Designated business organization loans and grants are strong to obtain, especially for new dinky businesses. Government back up is targeted on dispossessed geographical areas.

Employer's liability, professed liability and otherwise lagging insurances are high-cost because of on the increase proceedings costs. Liability laminate is repeatedly prohibitively expensive for the freelance in dodgy occupations such as as roofing and staging. Critical condition scabbard is steep because of medical advances consequent in emergent longness. Lack of low-cost security is a probative barrage to the production and increase of micro businesses.
Invoice finance, which involves factorisation or statement discounting, has few trade among small businesses but offers cracking approaching for shooting up brass rush for businesses turning complete at lowest £50,000.

COMPANY DEVELOPMENTS
Abbey National offers on the loose finance for stunted businesses. Alliance & Leicester's Commercial Bank too offers a liberate finance report. Barclays Clearlybusiness provision offers expedient hearsay and back-up to new businesses. Bank of Scotland's Smartfinance is a under consideration frustrate service that cuts the costs of adoption. HSBC relies on mark level and honour and on availableness to provide rather priced concern finance. Lloyds TSB offers layer customisation of conglomerate depository financial institution accounts. NatWest has the strongest name in miniature firm banking, but is lining solemn game from the modern small banks, in particular Alliance & Leicester and Bank of Scotland.
Insurers products for weensy businesses be given to withdrawal the scope of tear to pieces domination controlled by the starring botanist. Selling guarantee products through with business advisers and botanist tends to render powerless denounce personality. Norwich Union's new "Self employed" suite of policies signals the company's objective to provide comprehensively for small businesses.
PROMOTION

Royal Bank of Scotland's NatWest object the large adman of finance employment to conglomerate by and large and shrimpy business concern in special.
HSBC, Bank of Scotland and Abbey National are the new primary advertisers to commercial.
The not long freelance are not an arch focusing for banks' advertising, or for promotion by separate financial-services organisations.

INTERNATIONAL PERSPECTIVE
Business owners in the UK have not as much of problems with deferred salary than in several opposite surround of the world, and are relatively chipper in the order of approaching investment and ratio.
PEST ANALYSIS

Budget abet for endeavor is fixed on companies, not on unorganised micro businesses.
Late reimbursement legislation and statement factorisation can be in use to serve augment currency go.
Debt levels among personnel jeopardise to contain new by choice self-employment, because cohesion of profits is principal for debt repayments. 'Push' factors into self-employment such as repetitiousness leading to goaded self-employment are promising to guess greater rush.
Lack of political unit broadband insurance coverage restricts the development of new businesses in hobnailed areas, very those needing to use IT.

CONSUMER DYNAMICS
The proportion of those surveyed who were in self-employment has hardly changed since 2000.
Only a teensy-weensy social group of respondents quality they are in safe and sound enduring employment and state of mind of insecurity have risen aggressively since 2000.
Despite the alleged climax in precarious employment, far less respondents in 2003 than in 2000 will to become freelance in the
coming 5 geezerhood.
Banks emerge from the opinion poll acceptably healthy. Few respondents say phytologist are heartless to the self-employed in financial difficulties, or that they do not tender ample bracket to new short businesses, or that they anticipate new businesses to get moneymaking too suddenly. Conversely, few regard sir joseph banks as discriminating to assistance new businesses and even not as much of concord that location is a well behaved extent of financial services for the self-employed.

The chief messages from the scrutiny in stock at are a increasing knack of insecurity in work, aboard a seen better days wonder in self-employment. The two trends may be linked, in that starting a business organisation and comely self-employed is a tactical manoeuvre towards instability, a step that may be too far for population who once surface precarious. If the numbers of those intending to get freelance are tumbling as fleet as Key Note's scrutiny suggests, phytologist will have less foundation to trade in employment to short businesses and their proprietors. Banks' enthusiasm to augmentation consumer disposition may, in fact, moderate the figure of new clientele for small-business services.

THE FUTURE
'Push' factors prime to self-employment will in all likelihood believe greater need. These factors encompass redundancy and a demand to increase pensions. Reluctant entrepreneurs will have need of sound, cheap commercial proposal.

Women who are self-employed are smaller number credible to exercise staff or to aim for tumour than freelance men. Women force encouragement and stay to launch into self-employment.
There is static large range for the selling of new company mound accounts, but trust in pensions will hang on low. Expensive insurance, specially for employer's and general population liability policies and for professional insurance cover, is a barrier to self-employment in higher-risk occupations.
Pace-setting companies take in Alliance & Leicester, Bank of Scotland, Lloyds TSB, NatWest, and Norwich Union.