{"id":6929,"date":"2022-04-28T09:08:40","date_gmt":"2022-04-28T08:08:40","guid":{"rendered":"https:\/\/bcrs.org.uk\/?p=6929"},"modified":"2022-04-28T09:08:40","modified_gmt":"2022-04-28T08:08:40","slug":"carolines-finance-tips-to-help-drive-your-business-forward-for-the-next-12-months","status":"publish","type":"post","link":"https:\/\/bcrs.org.uk\/cy\/blog\/carolines-finance-tips-to-help-drive-your-business-forward-for-the-next-12-months\/","title":{"rendered":"Cyngor Cyllid Caroline i&#039;ch Helpu i Gyrru Eich Busnes Ymlaen am y 12 Mis Nesaf"},"content":{"rendered":"<p>Mae&#039;n bwysig i berchnogion busnes gadw ar ben eu harian i helpu i yrru eu busnes yn ei flaen. Fe wnaethom ddal i fyny \u00e2 Caroline Dunn, cyfarwyddwr cyllid yn BCRS Business Loans, am rai awgrymiadau defnyddiol i chi eu hystyried wrth i ni ddechrau&#039;r flwyddyn ariannol newydd.<\/p>\n<h6><strong>Rhagfynegi<\/strong><\/h6>\n<p>I fusnesau bach, mae edrych i\u2019r dyfodol yn hynod o bwysig er mwyn asesu sut y gall eich busnes dyfu. Mae creu rhagolygon a chyllidebau yn gam pwysig i chi fel perchennog busnes allu cynllunio ymlaen llaw.<\/p>\n<p>Gyda hyn mewn golwg, rydym yn eich clywed yn gofyn, \u201cble ydw i&#039;n dechrau gyda&#039;r broses ragweld?\u201d<\/p>\n<p>Yn gyntaf oll, mae yna ychydig o elfennau y mae angen i chi eu hystyried wrth lunio&#039;ch rhagolwg ...<\/p>\n<ul>\n<li>Sicrhewch eich bod yn gyfarwydd \u00e2&#039;r farchnad y mae eich busnes yn gweithredu ynddi i asesu tueddiadau a photensial twf<\/li>\n<li>Cadw golwg ar archebion cwsmeriaid. O gwsmeriaid rheolaidd i&#039;r pryniannau untro hynny, mae pob archeb yn bwysig<\/li>\n<li>Gallu ymateb i newidiadau: Mae&#039;r amgylchedd economaidd yn newid yn barhaus ac mae&#039;n hanfodol eich bod yn sensitif i&#039;ch cyllideb (gan adael &#039;stafell wagio&#039; yn eich cyllideb) fel eich bod yn gallu addasu i newidiadau yn y farchnad. Mae\u2019r enghreifftiau mwyaf diweddar yn cynnwys prinder llafur, yr argyfwng tanwydd, a\u2019r cynnydd mewn Yswiriant Gwladol<\/li>\n<li>Wrth roi eich rhagolwg at ei gilydd, gwnewch yn si\u0175r eich bod yn realistig yn eich rhagfynegiadau a\u2019u bod yn fesuradwy fel y gellir adolygu perfformiad a\u2019i fonitro\u2019n hawdd ar gyfer amrywiadau cadarnhaol a negyddol<\/li>\n<li>Yn yr un modd \u00e2 phob sefyllfa, sicrhewch fod gennych gynllun wrth gefn\/wrth gefn ar gyfer unrhyw amgylchiadau nas rhagwelwyd, lle bo hynny&#039;n ymarferol.<\/li>\n<\/ul>\n<h6><strong>Llif arian<\/strong><\/h6>\n<p>Ffactor pwysig arall i&#039;w ystyried wrth yrru&#039;ch busnes yn ei flaen yw deall eich llif arian.<\/p>\n<p>Bydd rhagolwg llif arian yn eich helpu i nodi&#039;r mannau cyfyng ac yn rhoi syniad da i chi o ble y gallwch wella\/gwella eich llif arian. Un neu ddau o bethau i&#039;w hystyried o leiaf yw:<\/p>\n<ul>\n<li>Sicrhau anfonebu amserol a chasglu arian parod. Er mwyn rheoli hyn yn effeithlon fy nghyngor da fyddai sicrhau eich bod yn gwirio casgliadau arian parod yn wythnosol neu&#039;n fisol yn dibynnu ar amlder derbynebau arian parod a lle bynnag y bo modd trafodwch i gael cyflenwyr ar delerau talu hirach na&#039;ch cwsmeriaid. Nid yw hyn bob amser yn bosibl os ydych yn fusnes newydd ac yn adeiladu hanes credyd. Ond ail-ymwelwch bob amser ar \u00f4l i&#039;r berthynas dyfu<\/li>\n<li>Monitrwch eich llyfr dyledwr yn rheolaidd a gweithredwch yn gyflym os na chaiff taliadau eu talu.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/bcrs.org.uk\/cy\/what-to-include-in-a-cash-flow-forecast\/\">Cliciwch yma<\/a> am rai awgrymiadau da ar beth i&#039;w gynnwys mewn rhagolwg llif arian.<\/p>\n<h6><strong>Cais Treth Ymchwil a Datblygu <\/strong><\/h6>\n<p>Yn dilyn datganiad y gwanwyn yn \u00f4l ym mis Mawrth, mae gwneud defnydd o\u2019r hawliad treth ymchwil a datblygu (Y&amp;D) a gynigir gan y Llywodraeth yn rhywbeth y mae llawer o fusnesau, yn enwedig busnesau bach a chanolig, yn methu \u00e2\u2019i wneud. Ym mlwyddyn ariannol 2019\/2020, gwnaeth 81,530 o fusnesau bach a chanolig eu maint <a href=\"https:\/\/www.govgrant.co.uk\/hmrc-statistics\/rd-tax-credit-statistics\/?msclkid=cbbbb283bfe711eca2f99dec0fa6eb2b\">Hawliad treth ymchwil a datblygu<\/a> a dim ond 7,095 (8.7%) o&#039;r hawliadau hyn a wnaed gan BBaChau yng Ngorllewin Canolbarth Lloegr.<\/p>\n<p>Gallwch hawlio rhyddhad treth ymchwil a datblygu os ydych yn BBaCh gyda:<\/p>\n<ul>\n<li>llai na 500 o staff<\/li>\n<li>trosiant o lai na \u20ac100m neu gyfanswm mantolen o dan \u20ac86m<\/li>\n<\/ul>\n<p>Fel BBaCh, rydych yn gymwys i wneud cais treth ymchwil a datblygu am gymorth; datblygu cynhyrchion, prosesau neu wasanaethau newydd; neu wella&#039;r rhai presennol.<\/p>\n<p>Rhai costau y gallwch hawlio amdanynt yw:<\/p>\n<ul>\n<li>Costau gweithwyr<\/li>\n<li>Costau isgontractwyr<\/li>\n<li>Meddalwedd<\/li>\n<li>Eitemau traul<\/li>\n<li>Gwirfoddolwyr treialon clinigol<\/li>\n<\/ul>\n<p>Mae gwneud defnydd o&#039;r cynllun yn galluogi dod ag arian ychwanegol i&#039;r busnes i gynorthwyo twf busnes. Siaradwch \u00e2&#039;ch cyfrifydd am wneud cais am dreth Ymchwil a Datblygu. I gael manylion llawn y cynllun ar gyfer BBaChau <a href=\"https:\/\/www.gov.uk\/guidance\/corporation-tax-research-and-development-tax-relief-for-small-and-medium-sized-enterprises\">cliciwch yma.<\/a><\/p>\n<h6><strong>A all BCRS eich helpu? <\/strong><\/h6>\n<p>Mae Benthyciadau Busnes BCRS wedi ymrwymo i gefnogi busnesau bach a chanolig ar draws Gorllewin Canolbarth Lloegr nad ydynt yn ticio&#039;r holl flychau gan fenthycwyr traddodiadol.<\/p>\n<p>Rydym yn cynnig benthyciadau rhwng \u00a310,000 - \u00a3150,000 i gefnogi twf ac adferiad eich busnes yn dilyn y pandemig.<\/p>\n<p><a href=\"https:\/\/bcrs.org.uk\/cy\/\">Cliciwch yma\u00a0<\/a>am fwy o wybodaeth.<\/p>\n<p>Cewch y wybodaeth ddiweddaraf am holl bethau BCRS trwy ein dilyn ar gyfryngau cymdeithasol.<\/p>\n<p><a href=\"https:\/\/twitter.com\/B_C_R_S\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-4399\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t.png\" alt=\"Twitter-logo\" width=\"40\" height=\"40\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t.png 451w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-150x150.png 150w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-300x300.png 300w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-350x350.png 350w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/>@B_C_R_S<\/a><\/p>\n<p><a href=\"https:\/\/www.linkedin.com\/company\/bcrs-small-business-loans\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-4400\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter.png\" alt=\"LinkedIn Logo\" width=\"40\" height=\"40\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter.png 456w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-150x150.png 150w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-300x300.png 300w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-350x350.png 350w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/>Benthyciadau Busnes @BCRS<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Mae&#039;n bwysig i berchnogion busnes gadw ar ben eu harian i helpu i yrru eu busnes yn ei flaen. Fe wnaethom ddal i fyny \u00e2 Caroline Dunn, cyfarwyddwr cyllid yn BCRS Business Loans, am rai awgrymiadau defnyddiol i chi eu hystyried wrth i ni ddechrau&#039;r flwyddyn ariannol newydd. Rhagolygon I fusnesau bach, mae edrych i\u2019r dyfodol yn anhygoel\u2026<\/p>","protected":false},"author":12,"featured_media":6930,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-6929","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Caroline\u2019s Finance Tips to Help Drive your Business Forward for the Next 12 Months - BCRS Business Loans<\/title>\n<meta name=\"description\" content=\"We caught up with Caroline Dunn, Finance Director at BCRS, for some Tips to Help Drive your Business Forward for the Next 12 Months.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bcrs.org.uk\/cy\/blog\/carolines-finance-tips-to-help-drive-your-business-forward-for-the-next-12-months\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Caroline\u2019s Finance Tips to Help Drive your Business Forward for the Next 12 Months - 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