It’s one of those “good problems” that doesn’t feel urgent.
There’s money sitting in your business account.
You’re not worrying about payroll. Bills are paid. VAT is sorted. You’re in a strong position.
But now you’re asking yourself:
What should I actually do with this ‘spare’ cash?
The truth is — this isn’t just a financial decision. It’s a strategic one.
Because having surplus cash isn’t only a sign your business is doing well. It’s a moment to pause and think more intentionally…
…about what you want your business to achieve, what you want personally and how the two fit together.
For example, if business growth is your goal, you might reinvest — in new staff, better systems or marketing that opens up new markets.
But if you’re running a lifestyle business, designed to support your life (not consume it), you might decide to take the money out. Perhaps you’ll clear the mortgage, pay off personal debt or create some breathing space.
Or maybe you’re looking ahead to a different phase — selling the business, retiring or stepping into a new role. This cash could help turn that idea into reality.
Whatever your intention, one thing is certain: You can only use the money once.
So it’s worth asking: What is your business really here to do — for you?
Most business owners don’t ask that nearly enough.
You might have a sense of it, somewhere in the back of your mind… but it rarely gets translated into a clear plan.
Yet this question shapes everything — how you manage your finances, how you develop the business, and ultimately, how well it supports the life you actually want to lead. When you know the answer to that question, it gives you the clarity and direction to make much more confident decisions — about your money, your business model and your long-term future.
That’s why we have this conversation regularly with our clients.
We’re not just here to do your monthly management accounts and help with financial management. We’re here to help you make the right financial decisions for your future — and that starts with clarity about where your business is heading, and why.
If you’ve got spare cash sitting in your business right now, we’d love to help you figure out the most sensible next move.
Email garry@insightassociates.co.uk or call us on 01279 647 447 to book your free, no-obligation consultation.
Let’s make sure your next step supports your bigger picture — financially and personally.
Warmly,
Garry
You might also be interested in: Interest rates are up. Should you deposit your business’s spare cash? – Insight Associates Limited
