Learn
A short Start-here path, then a director's handbook. This is education, not a product pitch and not advice on your company.
Strata packages; it does not lend.
The film
Play the film. At each beat, choose. Loan two does not pay off loan one.
Watch the filmStart here
Watch in order. Each is about a minute. They name the shapes that finish companies — not brand names.
An informal name for very short-term, high-cost business credit — and why it stacks.
Watch · 1 min
The current account is the oxygen. Sort that before anyone sells you another facility.
Watch · 1 min
An instalment arrangement with HMRC, not a loan, and not a place to disappear.
Watch · 1 min
If they will not name the lender, they are selling inventory.
Watch · 55 sec
Director's handbook
Nine lessons. Order of operations, not a catalogue of products. Training only.
Handbook 01
A director's map for the first 48 hours — what to stop doing, what to read, and which help is real.
Read · 12 min
Handbook 02
How a call-centre broker actually gets paid, why they will not name the lender, and the questions that end the pitch.
Read · 16 min
Handbook 03
Secret fees, half-secret small print, Wood, Hopcraft, and why a 2025 Supreme Court case is not a magic claim for every commercial director.
Read · 18 min
Handbook 04
An instalment arrangement, not a loan, not a right, and not a place to hide. What HMRC actually looks at, and what happens if you break it.
Read · 16 min
Handbook 05
All-monies, additional security on demand, a personal guarantee that never dies, and the boxes you ticked without a solicitor in the room.
Read · 18 min
Handbook 06
Daily sweeps, stacked short-term credit, bridging used as working capital, and "renewals" that are just a new fee. Structures, not brand names.
Read · 17 min
Handbook 07
Sequana, wrongful trading, preferences, overdrawn loan accounts, and the minutes a court will actually want to see.
Read · 20 min
Handbook 08
Business Debtline, licensed insolvency practitioners, HMRC, the Ombudsman, the company moratorium — and the firms that ring you first.
Read · 16 min
Handbook 09
How the same cash gets pledged three times, why "one more facility" is the hole, and the sequence that actually stops the digging.
Read · 15 min
Tools & scenarios
The film
Play the film. At each beat, choose. Loan two does not pay off loan one.
Watch
Scenario
Payroll is Friday. A call-centre broker has an offer. Sit down, click a picture, and choose.
Play
Tools
Income, outgoings, and every facility on the account — cost per trading day, and whether it is stacking.
Open
Tools
A rough monthly instalment for HMRC arrears. Indicative only. HMRC sets the actual terms.
Open
Next step
Strata packages files. It does not lend. The eligibility check is indicative, not a lending decision.
