Why compliance is a competitive advantage, not a burden
Most businesses treat compliance as a cost centre. The smart ones treat it as a differentiator.
Inside our Friday all-hands
We run a short all-hands meeting at 4pm every Friday. A note on what's in it, why we bother, and what it stops us doing.
Pricing in plain English: what 0.25% per day really means
Daily-rate pricing is unusual on personal credit but common on short-term business finance. Here is exactly how we charge interest, what the cap means, and a worked example.
Staying safe online: spotting impersonation in 2026
Fraudsters are using AI-generated content to make impersonation more convincing. The defences remain the same: check the domain, verify the request directly, and never feel rushed.
What’s next for CM Beyer: looking at the year ahead
An outlook for the rest of 2026 — Australian launch, North American activity, two new service offers, and what we won't be doing.
UK GDPR and marketing: what you can and cannot do with customer data in 2026
A plain-English guide to UK GDPR for marketers. Lawful bases, consent, legitimate interest, email rules, and the most common mistakes.
Building a marketing strategy when you have no marketing team
Most small businesses do not have a dedicated marketing function. That does not mean they cannot have a strategy.
Behavioural signals in our scoring: what we look at and what we don’t
We use a small set of soft behavioural signals from PWA / web use to help decide borderline applications. Here is exactly what we look at, what we deliberately do not, and how to opt out.
How we approach client confidentiality at CM Beyer
Client trust is the foundation of consultancy. Here is how CM Beyer handles confidential information across every engagement.
Three things we got wrong in our first quarter
An honest look at three things that didn't go to plan in our first quarter of operation — and what we're doing about them.
Open Banking: how we use it (and how we don’t)
Open Banking can speed up an application by minutes. Here is what we look at when you connect it, what we do not, and how to disconnect when you are done.
Setting and raising your Credicorp Flex limit responsibly
How your Flex limit is set when you first open the facility, what triggers a review, and the borrower-side and lender-side guardrails that keep the limit appropriate to your actual cashflow.
PECR and cookie consent: a plain-English guide for UK businesses
The UK PECR rules govern cookies, email marketing, and electronic communications. Here is what every UK website needs to comply.
Making Tax Digital: what small businesses need to know
HMRC's Making Tax Digital programme is now live for VAT. Here is a practical overview for small business owners.
Planned maintenance windows: how we warn and what stays open
When we plan downtime, we tell you in advance, keep the customer portal working in essentials-only mode where we can, and never silently lock you out of your own account.
Why we publish our pricing publicly
Most consultancies and agencies don't publish their day rates. We do, and we think it benefits everyone. A short explanation of why.
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