The Cashflow Show: Entrepreneurship Insights for Founders, CEOs and Business Leaders

Episode Summary : Could the UK economy gain a £75 billion boost by empowering ethnic minority businesses? In this episode of The Cashflow Show, host Clayton M. Coke interviews Professor Monder Ram OBE, Director of CREME at Aston University, about the Time to Change report. Professor Ram reveals how ethnic minority entrepreneurs, twice as entrepreneurial as their white counterparts, face barriers in finance, markets, and support, yet hold untapped potential for growth. Learn how addressing these challenges can drive economic growth and how businesses can support inclusive entrepreneurship. Listen in for actionable insights and visit CREME at Aston University for the full Time to Change report! Key Discussion Points Key Takeaways Notable Quotes “Minority communities are twice as entrepreneurial as their white counterparts for many decades... yet they continue to face challenges.”“Ethnic minority businesses contribute £25 billion to the economy... That contribution could increase fourfold to £100 billion.”“Black and ethnic minority entrepreneurs are discouraged from accessing the system... They’re twice as likely to be discouraged from raising finance.”“Supporting black businesses isn’t preferential treatment, it’s simply levelling the playing field and realising an opportunity.”“The first thing is believe in yourself... There’s a huge amount of support out there and people who want to give back.”Actionable Insights for Businesses Resources CREME at Aston HERE The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] “What are YOU like?”, “60 Second Shoot-Out” &"What About The Tech?" are all intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★

Why are South African high-net-worth individuals flocking to the UK? In this episode of The Cashflow Show, host Clayton M. Coke speaks with Yash Naidoo, Senior Wealth Planner at Nedbank Private Wealth, about the ongoing migration of South African wealth to the UK. Yash shares insights on cultural ties, investment preferences, and wealth planning strategies driving this trend. Discover how businesses can tap into this migration, from property investments to global portfolios, and help clients achieve their financial goals. Tune in for expert advice and to explore wealth planning solutions! Key Discussion Points Key Takeaways Notable Quotes We try to really understand what [clients] are trying to achieve... and help them along their life journey.” There’s a familiarity now between South Africa and the UK... from the legal system, the education system, rugby, cricket.” The UK is an excellent positioning... It’s a wonderful transition point without taking a massive step elsewhere.” South Africans are very entrepreneurial... It’s a good thing to have a multicultural society.” One of the first things is to open an international bank account to transition wealth and hedge the currency risk.”Actionable Insights for Businesses Resources www.nedbankprivatewealth.com The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] “What are YOU like?”, “60 Second Shoot-Out” &"What About The Tech?" are all intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★

Episode Summary: Entrepreneurs face crises that test their limits but can they build resilience to thrive? In this episode of The Cashflow Show, host Clayton M. Coke interviews Dr Rachel Doern, author of The Resilient Entrepreneur and Associate Professor at Goldsmiths, University of London. Drawing on her research from the 2011 London riots and COVID-19, Dr Rachel unpacks resilience as a dynamic process, sharing strategies to strengthen it and pitfalls to avoid. Learn practical tools like distraction, positive reappraisal, and expectation management to navigate business setbacks and boost personal wellbeing. Listen now to discover how to fortify your resilience and grab The Resilient Entrepreneur at Bristol University Press or Amazon! Key Discussion Points Key Takeaways Notable Quotes Resilience is something you build, like a muscle... It’s about the kinds of adjustments entrepreneurs make to their attention, thinking, situation, and resources.” Rachel DoernA crisis can be big or small... Losing a key member of staff or going through a personal situation like a divorce can impact wellbeing.” Rachel DoernSome [riot victims] said, ‘Yes, it’s terrible, but at least my business wasn’t burned down. I still have the capability to move forward.’” Rachel DoernPositive self-talk is about grounding what you’re saying in reality... It’s not about staring in the mirror and just saying things over and over.” Rachel Doern The entrepreneur includes the self-employed, those who spot and exploit opportunities... not just Elon Musk.” Rachel DoernActionable Insights for Businesses Resources Bristol University PressAmazonWaterstones The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?”, “60 Second Shoot-Out” &"What About The Tech?" are all intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved

Episode Summary: London is the world’s most traded real estate city, but its investment dominance isn’t guaranteed! In this episode of The Cashflow Show, host Clayton M. Coke interviews Jace Tyrrell, CEO of Opportunity London, about attracting £100 billion in real estate, energy, and infrastructure investment. They discuss rising construction costs, sovereign risks, and AI’s impact on office spaces, plus opportunities from US university expansions. Discover how businesses can navigate high costs, leverage infrastructure projects, and capitalize on London’s dynamic market to drive growth. Tune in for expert insights and visit Opportunity.London to explore investment projects worth £100M–£1.5B! Key Discussion Points Key Takeaways Notable Quotes London is still and hopefully will continue to be the most globally traded real estate city in the world.”Jace TyrrellGlobal capital has a choice... We’re in a race for that capital, which is why our partnership was set up to help us win that race for London.” Jace TyrrellThe housing challenge for most global cities is very acute in London. We have a 10 million population, a very dynamic and talented workforce.” Jace TyrrellWe need to design the offices of the future... AI is a disruptor, particularly in white-collar [roles].”Jace Tyrrell We’re unveiling five new projects for the capital tomorrow worth about 9.1 billion.” – Jace TyrrellActionable Insights for Businesses Resources www.opportunity.londonwww.opportunity.london/summit The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?”, “60 Second Shoot-Out” &"What About The Tech?" are all intelle...

Episode Summary UK employees are missing nearly two full working weeks a year due to sickness—9.4 days on average, the highest in over a decade! In this episode of The Cashflow Show, host Clayton M. Coke speaks with Rachel Suff, Senior Wellbeing Advisor at the Chartered Institute of Personnel and Development (CIPD), about their latest survey revealing drivers like mental ill health (41% of long-term absences) and stress (26% of short-term absences). They explore the post-pandemic rise and proactive strategies for businesses. Key Discussion Points Key Takeaways HSE stress toolsNotable Quotes “It is nearly two full working weeks, but that is an average. Some employees might just have one or two days... but others with more serious health conditions could be off for longer.”“Mental ill health comprises conditions like anxiety or depression, which can really vary... And there's also stress, which isn't a clinical condition, but can cause physical and mental health symptoms.” “It's really important to keep in touch... Don't let absence drift, keep in touch with people.”“A lot of people are living, more people are working with a health condition than they're not, and they are managing their health issue.” “Employers in this country are under a legal duty to protect people from stress and there are really good tools available to help them manage that.”Actionable Insights for Businesses Resources www.cipd.org/uk/knowledge/reports/health-well-being-work/www.hse.gov.uk/stress/Simplyhealth Homepage The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka T...

Is hybrid working stunting the growth of your youngest employees? Nearly half of 18–24-year-olds say it’s hurting their workplace relationships and mental health! In this episode of The Cashflow Show Podcast, host Clayton M. Coke interviews Natasha Devon, MBE, writer, broadcaster, and mental health activist, to explore new research from the Institution of Occupational Safety and Health (IOSH). Natasha unpacks why 48% of young workers struggle to build relationships and 17% report worsening mental health in hybrid setups, and how businesses can adapt. Learn how to redesign hybrid models to support young workers with structured feedback, mentoring, and collaboration opportunities, ensuring they thrive in today’s workplace. Tune in to discover practical strategies to boost engagement, retention, and mental well-being for the next generation of talent, and visit IOSH for actionable resources. Key Discussion Points Key Takeaways Notable Quotes Actionable Insights for Businesses Resources www.iosh.comwww.wheresyourheadat.orgLBCThe Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★

Are you or your team struggling to embrace new skills at work? You’re not alone—40% of adults face a confidence dip when learning, with career optimism peaking at just 25! In this episode of The Cashflow Show Podcast, host Clayton M. Coke sits down with Professor Steve Peters, consultant psychiatrist and author of The Chimp Paradox, to unpack new research revealing why so many adults lose confidence in skill development. Professor Peters explains the neuroscience behind this dip, how the brain’s risk-averse "Chimp" system holds us back, and how to unlock untapped potential for career growth. Discover practical strategies to overcome fear of failure, reframe self-perception, and foster a workplace culture that boosts confidence and innovation. Whether you’re a business leader or an employee, this episode offers actionable insights to thrive in today’s fast-evolving workplace. Key Takeaways Notable Quotes “Dealing with failure is a myth. What we’re really saying is I can’t deal with the consequences of failure, which is different. As adults, we can deal with anything.” Professor Steve Peters “If we keep comparing to others and to perfection, we naturally lose confidence because we always perceive others as better.” Professor Steve Peters“If I perceive myself as a proactive go-getter, my brain won’t let me sit back because it feels wrong.”Professor Steve Peters “One in three adults remain curious about their untapped potential. Couldn’t this do fantastic things for businesses and the economy?”Clayton M. Coke“Get yourself in a good place psychologically. Learn about your mindset, and everything else is plain sailing.”Professor Steve PetersActionable Insights for Businesses Resources www.skillsforcareers.education.gov.uk The Chimp ParadoxProfessor Steve PetersA Path Through the JungleProfessor Steve Peters The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★

In this dynamic episode of The Cashflow Show, recorded live at Tech Show London 2025, host Clayton M. Coke sits down with Alex Cruz, former CEO of British Airways, now Vice-Chairman of Westjet, to explore the modernization of the travel industry. With 35 years of experience, Alex discusses how outdated systems, like 70-year-old reservation codes, clash with rising customer expectations shaped by digital-first businesses. He delves into the transformative potential of AI in addressing complex operational challenges, boosting revenues, and enhancing customer experiences, while emphasizing the need for a risk-averse industry to embrace experimentation and cultural change. Key Discussion Points Key Takeaways Notable Quotes “We’re struggling with bringing together [customer] expectations with our older legacy landscapes.”Alex Cruz“AI is going to help us… digest many more pieces of information than standard old software or human beings were able to.” Alex Cruz “The big pressure is going to be on what questions are you asking? What is it that you really want?”Alex CruzActionable Insights for Businesses Resources Alex Cruz techshowlondon.co.ukIATA The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★

In this engaging episode of The Cashflow Show, host Clayton M. Coke is joined by Kitty McCormick, Head of Wealth at Santander UK, to explore the financial challenges and opportunities for the UK’s one million Self-Made high earners. Representing 14% of top earners, this group holds £40.7 billion in idle cash savings due to low financial confidence. Kitty discusses Santander’s push for government-backed financial education, the barriers faced by Self-Made individuals from lower socio-economic backgrounds, and how businesses and policymakers can empower this cohort for long-term financial success. Key Discussion Points Defining Self-MadeIdle SavingsBarriers to ConfidenceFinancial Education GapSantander’s AdvocacyBusiness SupportKey Takeaways Notable Quotes “Your background shouldn’t be a barrier to your future success.”Kitty McCormick “Confidence is rooted in knowledge and understanding… in safe spaces with articulate and helpful people.” Kitty McCormick “We’re not here to tell anybody what success looks like. We’re here to support them to achieve it as they define it.”Kitty McCormickActionable Insights for Businesses Integrate Financial EducationSupport ApprenticeshipsCreate Safe SpacesLeverage Open FinanceOffer Practical ResourcesResources Websitesantander.co.ukResearch Papersantander.co.ukWork Cafésantander.co.uk/work-cafeFinancial Educationsantander.co.uk/personal/support/financial-education The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★

In this fascinating episode of The Cashflow Show, host Clayton M. Coke is joined by Helen Hardy, founder of Foudy’s, the world’s only official football retailer dedicated to women’s football. Helen shares her journey from a theatre background to launching Foudy’s in 2020, driven by the lack of accessibility to women’s football jerseys. The episode dives into the groundbreaking Missing Shirt campaign, a retro England women’s kit honoring overlooked Lionesses from 1984 to 2019. With proceeds supporting grassroots women’s football, Helen discusses the commercial viability of women’s sports, the challenges of entrepreneurship, and the cultural significance of this symbolic jersey. Key Discussion Points Foudy’s MissionThe Missing Shirt CampaignHistorical ContextGrassroots SupportThe Missing ShirtEntrepreneurial ChallengesBusiness GrowthThe Missing Shirt Key Takeaways The Missing ShirtThe Missing Shirt Notable Quotes “I wanted to evidence the commercial viability of women’s sports, of women’s football in particular.” “We stand on the shoulders of historic Lionesses… this jersey represents the women of the past, present, and future.” “Build from a tiny little idea up… iteration by iteration, and have eternal optimism in what you’re doing.” Actionable Insights for Businesses Identify Niche MarketsLeverage StorytellingThe Missing ShirtInvest in Social ImpactEmbrace IterationPersist Through Skepticism Resources Websitefoudys.comThe Missing ShirtSocial MediaInstagramTwitter LinkedInGrassroots FootballThe FANike Partnershipfoudys.com The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★

In this insightful episode of The Cashflow Show Podcast, host Clayton M. Coke is joined by Claire Hawkins, Director of Corporate Affairs and Brand at Phoenix Group, to discuss the critical need for flexible working to support the UK’s 5.8 million unpaid carers. With 41% of working carers considering leaving their jobs due to inflexible policies, Claire highlights the risks to workforce stability, talent retention, and long-term financial security. The episode explores practical solutions, the role of leadership, and how businesses can adapt to modern demands to support carers and thrive. Key Discussion Points: Scale of the IssueEconomic and Workforce ImpactRight to Flexible WorkingDisconnect in PoliciesModern Work ModelsLeadership’s RoleKey Takeaways: Notable Quotes: “If [carers] are not working today, they’re definitely not saving for tomorrow.” “Flexibility can come in many ways… it’s about suiting the changing needs of living with real life and caring responsibilities.” “Tone from the top really matters. Senior leaders cast a shadow… creating opportunities to share real lived examples is really important.” Actionable Insights for Businesses: Adopt a Flexible-First MindsetEngage with CarersReview Denial RatesShowcase LeadershipPartner with ExpertsResources: WebsitePhoenix GroupCarers UKcarersuk.orgCarers Trustcarers.orgCarers Leave Act 2023 The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★

In Part 2 of this compelling episode of The Cashflow Show Podcast, host Clayton M. Coke sits down with Fiona Graham, Chief Operating Officer of Family Business UK, to explore the devastating impact of proposed inheritance tax reforms on family-owned businesses. Fiona shares her expertise on advocating for family businesses, the economic significance of the sector, and the urgent need for policy consultation to protect jobs and growth. From the potential loss of 208,000 jobs to a £1.9 billion fiscal hit to the Treasury, this episode uncovers the real consequences of these reforms and what can be done to address them. Key Discussion Points: Role of Family Business UKInheritance Tax ReformsEconomic ImpactAdvocacy StrategyMid-Sized Business ForumEconomic ContributionKey Takeaways: Notable Quotes: “Nothing is as powerful as hearing directly from family business owners about how changes will affect them.”“Family business is the backbone of the UK economy. It’s living, it’s breathing, and these people want to be around for generations more to come.”“This policy fails on every account. It will hit jobs, it will damage growth, and ultimately it will bring in less tax.”Actionable Insights for Businesses: Engage with PolicymakersJoin Family Business UKParticipate in Family Business WeekReview Succession PlansStay InformedResources: Websitefamilybusinessuk.orgLinkedInFamily Business UKReportfamilybusinessuk.orgContactThe Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★

In this compelling episode of The Cashflow Show, host Clayton M. Coke sits down with Steve Rigby, co-CEO of Rigby Group PLC and Chair of Family Business UK, to unpack the alarming consequences of proposed inheritance tax reforms. With a new Family Business UK report predicting 208,000 job losses and a £15 billion drop in economic activity, Steve reveals why these changes threaten the backbone of the UK economy—family businesses. From their critical role in regional economies to strategies for resilience, this episode is a must-listen for business owners and policymakers navigating an uncertain future. Key Discussion Points: Key Takeaways: Notable Quotes: “Family businesses are the middle lane of the economy—they think in decades, not quarters, and that long-term perspective is critical.” “This legislation captures the wealth creators of the country, and at a time when growth is on the agenda, it’s an anti-growth measure.”“Stand up and be counted. We need more business leaders talking to government about the importance of our regions.”Actionable Insights for Businesses: Resources: FBUK WebsiteRigby Group WebsiteTEN Website CBI Website The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★

Episode Summary: In this episode of The Cashflow Show, host Clayton M. Coke welcomes Eric Johnson, CEO of SurveyMonkey, to discuss the growing distrust of AI among UK business leaders and the launch of SurveyMonkey’s Trust Centre. With 81% of UK leaders sceptical about AI’s decision-making and 79% concerned about biased outcomes, Eric shares insights from a recent SurveyMonkey report highlighting data privacy challenges, GDPR compliance gaps, and the evolving role of AI in security. Learn how businesses can navigate these issues, leverage transparency as a competitive advantage, and use the Trust Centre to strengthen data protection strategies. Key Discussion Points: Key Takeaways: Notable Quotes: “Compliance with GDPR does not mean you’re totally safe. It means it’s the baseline now, and we need to keep thinking about how to protect.”“Being transparent is the best thing for the customer, which should be the best thing for the company.” AI will get to a place where it can take action against [security threats] as an agent working on the security side.”Actionable Insights for Businesses: Resources: www.surveymonkey.com/learn The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★

Episode Summary: In this episode of The Cashflow Show Podcast, host Clayton M. Coke sits down with Will Scott, Real Estate Disputes Partner at Irwin Mitchell, to explore the resurgence of office demand as UK businesses adapt to staff returning to the workplace. With 45% of UK businesses planning to expand office space in the next 12-18 months, Will unpacks the drivers behind this trend, the challenges of limited Grade A office supply, and the strategic considerations for corporate occupiers. From hybrid working to cost pressures and environmental goals, this episode offers actionable insights for business leaders navigating the evolving commercial property landscape. Key Discussion Points: Key Takeaways: Notable Quotes: Actionable Insights for Businesses: Resources: www.irwinmitchell.comContact details The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★

Episode Summary: In this vibrant episode of The Cashflow Show, host Clayton M. Coke is joined by Kelly Wolgamott, Vice President of Pure Michigan, to explore why Michigan is a top destination for UK travellers. From Detroit’s Motown legacy and professional sports to natural wonders like the Great Lakes and Mackinac Island, Kelly highlights Michigan’s cultural, culinary, and tourism offerings. She discusses how businesses are adapting to sports tourism trends and the state’s economic impact, inviting Brits to experience Michigan’s unique charm. Key Discussion Points: Key Takeaways: Notable Quotes: Actionable Insights for Businesses: Resources: michigan.orgFacebookInstagramvisitdetroit.com The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★

Episode Summary: In this episode of The Cashflow Show, host Clayton M. Coke is joined by Emma Carr, Partner and Trade Law Specialist at Gowling WLG, to explore the impact of tariff disruptions, particularly under the Trump administration’s trade policies. Emma discusses how sectors like fast-moving consumer goods, retail, and manufacturing are vulnerable due to tight margins and fixed pricing. She offers practical advice on contract reviews, supply chain audits, and communication to mitigate risks, with a focus on Northern Ireland’s unique challenges. Emma also highlights how businesses can leverage legal expertise to future-proof against trade uncertainties. Key Discussion Points: Key Takeaways: Notable Quotes: Actionable Insights for Businesses: Resources: gowlingwlg.comgowlingwlg.com/en/thinkhousegov.uk/business-and-industry/trade-and-investment The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★

Episode Summary: In this episode of The Cashflow Show, host Clayton M. Coke is joined by Tim Ayling, Vice-President of Cybersecurity Solutions, EMEA at Thales UK, to unpack the 2025 Imperva Bad Bot Report, which reveals bots now account for 51% of internet traffic. Tim explains what bots are, how AI makes them more dangerous, and their impact on industries like travel and SMEs. From polymorphic bots to denial-of-service attacks, he shares how Thales counters these threats and offers practical steps for businesses to stay secure in an AI-driven cyber landscape. Key Discussion Points: Key Takeaways: Notable Quotes: Actionable Insights for Businesses: Resources: imperva.comthalesgroup.comcybersecurity.gov.ukThe Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★

Episode Summary: In this episode of The Cashflow Show, host Clayton M. Coke chats with Pauline Green, small business expert at Intuit QuickBooks, about how SMEs can tackle the UK’s recent National Insurance (NI) hike. Pauline discusses QuickBooks’ automation tools, insights from a 26,000-business survey showing sustained hiring, and strategies like salary sacrifice schemes to mitigate costs. She emphasizes cash flow management over profitability and previews AI’s role in simplifying finances, offering practical advice for small business owners in 2025. Key Discussion Points: Key Takeaways: Notable Quotes: Actionable Insights for Businesses: Resources: quickbooks.co.ukQuickBooks’ blog gov.uk The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★

Episode Summary: In this episode of The Cashflow Show, host Clayton M. Coke is joined by Amy Hancock, accountant, small business owner, and host of Bean Counter to Boss, to discuss how small businesses can navigate the recent National Insurance (NI) hike announced in the UK Autumn Budget. Amy shares insights from a QuickBooks poll showing SMEs are still hiring despite rising costs, explains the benefits of the Employment Allowance, and offers practical tips for managing tax responsibilities and boosting efficiency. She also highlights her podcast work, empowering small business owners with transparent advice. Key Discussion Points: Key Takeaways: Notable Quotes: Actionable Insights for Businesses: Resources: quickbooks.intuit.com Bean Counter to Bosshancockandhastings.co.uk The Cashflow Show can be reached here: Website: www.thecashflowshowpodcast.com Email: thecashflowshowpodcast@gmail.com Twitter: https://twitter.com/thecashflowshow Instagram: https://instagram.com/thecashflowshowpodcast To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com Clayton M Coke can be found here: LinkedIn: https://uk.linkedin.com/in/claytoncoke Website: https://www.prmsltd.co.uk Email: info@prmsltd.co.uk Twitter: https://twitter.com/prmsltd Instagram: https://www.instagram.com/prmsltd/ Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] As an Amazon Associate I earn from qualifying purchases. “What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd (c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved ★ Support this podcast ★