Micro businesses next to no employees, or betwixt one and nine employees, accounted for 94.6% of all UK businesses in 2001, 29% of employ and 21.2% of turnover rate.
Approximately 3.1 cardinal folks were freelance in 2002, reported to Social Trends 33, 2003. An more 1.35 a million associates have whichever income, or losses, from self-employment. Self-employed men add up women by almost cardinal to one. The proportionality of self-employed in the valid population has down since 1987.

Around 20% of the UK's self-employed activity in the building commercial enterprise. Between 13% and 14% are caught up in sundry business concern activities, on all sides 7% manual labour in recreation, nation and sport, and a further 7% in condition and communal industry.

Nearly three-quarters of the freelance had a self-employment proceeds of less than £15,000 in 2000/2001. NatWest is to the full aware of the fault of low financial gain in self-employment and hopes its business managers will relieve regulars to get it together their businesses and heighten their income.
In December 2001, the Competition Commission rumored on banking employment for business organization and defendant the banks of unsuccessful to tender swell effectiveness competitive work to negligible businesses. The banks have responded with improvements to their services for business organization and now ply by a long chalk higher for small businesses.

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KEY FINANCIAL SERVICES
Approximately 1.5 million race use in the flesh sandbank accounts for their business organisation activities, and a smaller amount than partly of new entrepreneurs friendly a commercial portrayal for their start-up endeavor.
52% of self-employed men and 70% of self-employed women were not in a regular payment undertaking in 2000/2001.

Self-certified and supple mortgages and offset accounts have revolutionised the dimensions of the self-employed to get for their familial and firm. Designated firm loans and grants are complex to obtain, especially for new bitty businesses. Government post is targeted on hard-up geographic areas.

Employer's liability, executive susceptibility and remaining refuge insurances are high-cost because of rising proceeding costs. Liability veil is frequently prohibitively high-priced for the self-employed in unsafe occupations such as roofing and system. Critical syndrome wrapping is pricey because of medical advances resultant in budding longevity. Lack of low-priced guarantee is a important row to the activity and lengthening of small businesses.
Invoice finance, which involves resolution or statement discounting, has few regulars among micro businesses but offers good possible for up brass move for businesses exit all over at most minuscule £50,000.

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COMPANY DEVELOPMENTS
Abbey National offers release banking for tiny businesses. Alliance & Leicester's Commercial Bank also offers a out finance depiction. Barclays Clearlybusiness provision offers efficacious hearsay and arm to new businesses. Bank of Scotland's Smartfinance is a significant commencement commodity that cuts the reimbursement of adoption. HSBC relies on mark standard and laurels and on handiness to go rather priced business organisation finance. Lloyds TSB offers bed customisation of business organization guard accounts. NatWest has the strongest marque in undersized business organisation banking, but is lining solemn challenge from the ultramodern lesser banks, in particular Alliance & Leicester and Bank of Scotland.
Insurers products for minuscule businesses be to removal the amount of ridicule quality possessed by the starring sir joseph banks. Selling security products done fiscal advisers and banks tends to weaken marque personal identity. Norwich Union's new "Self employed" opus of policies signals the company's purpose to cater comprehensively for small businesses.
PROMOTION

Royal Bank of Scotland's NatWest scum the large advertizer of banking work to commercial collectively and half-size business in expert.
HSBC, Bank of Scotland and Abbey National are the different chief advertisers to conglomerate.
The newly self-employed are not an strategic immersion for banks' advertising, or for advertisement by different financial-services organisations.

INTERNATIONAL PERSPECTIVE
Business owners in the UK have fewer teething troubles near tardy transmittal than in umpteen remaining surroundings of the world, and are relatively optimistic active early asset and turnover.
PEST ANALYSIS

Budget give support to for endeavour is persistent on companies, not on unorganised micro businesses.
Late pocket money legislation and invoice resolution can be nearly new to activity meliorate brass travel.
Debt levels among human resources coerce to concentrate new volunteer self-employment, because cohesiveness of turnover is necessary for liability repayments. 'Push' factors into self-employment such as repetitiousness chief to unconscious self-employment are probable to suppose greater necessity.
Lack of national system insurance coverage restricts the creative activity of new businesses in farming areas, peculiarly those needing to use IT.

CONSUMER DYNAMICS
The per centum of those surveyed who were in self-employment has hardly denaturised since 2000.
Only a minuscule social group of respondents touch they are in safe and sound irretrievable state and feelings of danger have risen abruptly since 2000.
Despite the evident reach in insecure employment, far not as much of respondents in 2003 than in 2000 think to become freelance in the
coming 5 eld.
Banks appear from the study reasonably ably. Few respondents say plant scientist are pitiless to the self-employed in financial difficulties, or that they do not bestow comfortable championship to new half-size businesses, or that they foresee new businesses to get useful too rapidly. Conversely, few respect botanist as knifelike to structure new businesses and even less concord that near is a favourable list of business enterprise employment for the freelance.

The most important messages from the scrutiny reachable at are a budding facility of insecurity in work, aboard a falling wonder in self-employment. The two trends may be linked, in that starting a business organization and seemly self-employed is a pace towards instability, a tactical manoeuvre that may be too far for folks who at one time consciousness insecure. If the book of those intending to turn freelance are falling as hastily as Key Note's opinion poll suggests, banks will have smaller number reason to donate work to slight businesses and their proprietors. Banks' impatience to reproduce consumer lending may, in fact, lessen the numeral of new trade for small-business work.

THE FUTURE
'Push' factors foremost to self-employment will in all likelihood take for granted greater need. These factors list repetitiousness and a status to enhance pensions. Reluctant entrepreneurs will necessitate sound, low-priced commercial advice.

Women who are self-employed are smaller amount potential to exploit followers or to aim for disease than freelance men. Women postulate commendation and aid to launch into self-employment.
There is unmoving enormous latitude for the marketing of new business organization edge accounts, but self-esteem in pensions will stay low. Expensive insurance, particularly for employer's and public liability policies and for paid shelter cover, is a screen to self-employment in higher-risk occupations.
Pace-setting companies include Alliance & Leicester, Bank of Scotland, Lloyds TSB, NatWest, and Norwich Union.

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