These free SME tools give you fast, practical clarity across your business — from pricing and margins to cashflow, break‑even points and overdue balances. Each one is designed to be simple, useful and ready to use immediately, with senior‑level insight built into every tool.
Pricing
Helps you test pricing scenarios, understand margin and mark-up impact enabling clearer, more confident decisions about your rates.
Shows you the sales volume required to cover your costs — helping you plan more effectively and understand the minimum performance your business needs.
Helps you understand how many weeks of operational runway you have, where pressure points may appear, and how changes in revenue or cost affect your stability.
Shows how supplier or operational cost increases affect your margins and pricing decisions — helping you stay ahead of rising costs and protect profitability.
Helps you spot early signs of late‑payment risk long before an invoice becomes overdue — giving you clearer visibility of customer behaviour, stronger cashflow awareness and the ability to act before a late payment becomes a business problem.
Gives you a clear, senior view of how customer debt is behaving — overdue balances, drift, exposure and cashflow risk all in one place. A protected Excel dashboard that turns your aged debtors list into practical, actionable insight without complexity.ps you understand how many weeks of operational runway you have, where pressure points may appear, and how changes in revenue or cost affect your stability.
A central place for understanding definitions and transparency. Our Reference section brings together the key information that supports every SGA engagement — from straightforward answers to common questions, to plain-English explanations of business terms, through to how your data is handled and protected.
Frequently Asked Questions
Straightforward answers to the questions real SMEs ask us most often.
Quiet drift absorbs working capital long before invoices are overdue. This article explains why early visibility matters and how free SGA tools help SMEs spot risk sooner.
Most SMEs track overdue debt, but not the behaviours behind it. Drift reveals the patterns that quietly shape cashflow long before traditional metrics move.
