"How much funding does my plan need?"
Estimate the cash required, subtract funds already available and prepare an explanation of the remaining gap.
Try the free business funding toolExplore the Funding Centre
Small Business Tools & Features
Small business tools to start, run and grow.
Explore Polar’s connected tools for UK startups and established small businesses. Start with the idea, build the plans, set up professionally, find customers, manage money and move into the full operating system as the business begins trading. You can also compare Polar pricing or see how the connected small business dashboard works. Need a public website? Explore website design for small businesses.
Start with the problem in front of you
Find the small business tools you need today.
Choose the task you want to move forward. These examples and guides show how Polar fits into the work of planning, winning customers, getting paid and keeping the business organised.
“I need a workable plan.”
Turn the idea into a clear offer, customer plan, startup budget and first actions.
Read a complete worked business planExplore the plan builders“I don’t know what to charge.”
Work through time, direct costs, business costs and target profit before preparing the customer’s price.
Try the free service pricing calculatorPrepare a clear customer quote“I need to know what launch will cost.”
Separate one-off spending from the cash needed to keep operating while sales develop.
Try the free startup cost calculatorExplore startup budgeting“Customers owe me money.”
Keep invoices, due dates and follow-ups visible so completed work can turn into received payment.
Explore Polar AccountsDownload a free invoice template“There’s too much to remember.”
Bring priorities, customer follow-ups and planning tasks into a view you can review each day.
See the daily dashboard exampleExplore the Office Manager“I need to move the business forward.”
Review what has changed, decide which opportunity deserves attention and set a manageable next action.
Explore Next Best ActionExplore business opportunities"We repeat the same admin every week."
Choose one routine task, keep a clear approval point and measure whether the process saves time.
See the invoice follow-up workflow"I need to understand the figures."
Compare invoiced work, payments received and overdue balances, then record a useful next action.
Read the worked monthly reportThe public calculators and worked examples can be viewed without an account. Member tools and access depend on your Polar plan.
Begin with the idea
Polar Ideas
Explore, improve and validate the first business idea.
Skills & Readiness Check
Build around strengths and prepare for the gaps.
Business Name Studio
Find a name you can build a business around.
Ideal Customer Builder
Build for a real customer—not an imaginary audience.
Market Check
Test the opportunity before committing the money.
Competitor Snapshot
Understand the competition and find a clear position.
Business Location Checker
Choose a location and service area that support the model.
Offer Builder
Turn skills into an offer customers can understand.
Build the foundations
Business Model Builder
Define how the business will work and make money.
Business Plan Builder
Create one-page, full and funding-ready business plans.
Marketing Plan Builder
Know who to reach, what to say and what to do each week.
Sales Plan Builder
Turn interest into customers without pressure.
Operations Plan Builder
Build a business that can deliver what it promises.
Startup Cost Builder
Know what you need, what it costs and what can wait.
Startup Budget Planner
Plan the launch budget before the money disappears.
Funding Centre
Understand finance options and become funding-ready.
Bank Funding Pack
Prepare lender-ready financials, documents and realistic bank-question practice.
Financial Evidence Builder
Build forecasts that can stand up to questions.
Set up professionally
Business Structure Guide
Understand sole trader, partnership and company options.
Company Launch
Prepare everything and complete registration through GOV.UK.
Business Registration Checklist
Keep registrations, references and deadlines organised.
Business Setup
Get the new business ready to trade.
Licence & Permission Finder
Start trading with fewer surprises.
Insurance Guide
Understand the protection the business may need.
Legal Guide
Explain official guidance clearly without pretending to be a solicitor.
Data Protection Starter
Respect customer information from the beginning.
Create the business identity
Brand Starter
Choose the identity once and keep it consistent everywhere.
Domain & Online Identity
Choose a name that works online.
Home Business Guide
Build professionally from home without missing practical details.
Address & Mail Setup
Protect the personal address where possible.
Business Phone Setup
Give the new business a professional voice.
Business Email Setup
Look professional from the very first email.
Polar Website Builder
Choose an original Polar design and build the site with guidance.
Social Customer Growth
Turn real business activity into useful marketing.
Reach the first customer
First Customer Finder
Turn the plan into the first real customer.
Polar Hunter
Find public prospects and external opportunities.
Pricing Studio
Answer ordinary business questions while Polar does the pricing maths underneath.
See Pricing Studio →First Quote Builder
Turn an enquiry into a clear professional offer.
Customer Agreement Builder
Set clear expectations before work begins.
Payment Setup
Get paid professionally from the first customer.
First Invoice Builder
From first quote to first payment.
Launch Calendar
Know what to do, when, and what depends on what.
Stay supported and organised
Business Mentor
Proactive guidance and weekly mentor reviews.
Polar Assistant
Ask questions using the context of the business.
Polar Planner
A calm weekly plan and next three priorities.
Polar Watch
Deadlines, renewals, risks and important reminders.
Startup Document Vault
Every plan, certificate and document in one place.
Startup Contacts Book
Keep customers, suppliers and advisers organised.
Email & Letter Writer
Professional communication without a blank screen.
Launch Readiness Score
Launch with confidence, not crossed fingers.
Run the business
Polar Accounts
Simple small business accounts from the first invoice.
Polar Finance
Cash flow, runway, forecasts and small business financial planning.
Receipt Capture
Photograph and organise expenses.
Supplier Manager
Control supplier costs, agreements and risks.
Client Journey
Enquiry to payment in one clear flow.
Smart Documents
Proposals, choices, questions, signatures and payments.
Booking
Appointments, packages, deposits and intake forms.
Workflow
Plain-English automations with approval controls.
Polar Sales Manager
Manage the people who bring the business in.
Polar Logistics Hub
Run logistics jobs from scheduling and dispatch through delivery, POD, invoicing and intelligence — with drivers, carriers, exceptions and margins connected.
Polar Recruitment Manager
Recruitment software for small businesses — manage vacancies, applicants, interviews, candidate comparisons and hiring in one connected journey.
See what Polar creates →
Protect and grow
Health & Safety Starter
Protect the owner, customers and business.
Tax Starter
Keep better records from the first pound earned.
Client Check
Public UK limited-company background checks.
Complaint Assistant
Handle complaints calmly and learn from them.
First Employee Guide
Take on help when the business is ready.
Polar Reports
Understand performance in plain English.
Polar Growth
Improve and expand with confidence.
Polar Professional
Teams, advisers, advanced reporting and support for multiple businesses.
Financial planning
Break-Even Builder
Know what the business must achieve before relying on it for income.
Cash-Flow Forecast Builder
Know where the cash is going before the business feels the squeeze.
Profit Forecast Builder
Know whether the business will reward the work put into it.
Sales Forecast Builder
Know how many customers are needed and what it takes to win them.
Founder Income Planner
Build a business that can support the founder’s life.
Personal Survival Budget
Protect the household while the business finds its feet.
Launch Expenses Tracker
Know exactly where the startup money went.
Launch control and protection
Launch Risk Register
Prepare for the risks without letting them stop the launch.
Startup Scam Checker
Pause, check and protect the business before money leaves the account.
Startup Admin Assistant
Keep setup paperwork moving without losing the day to admin.
Startup Support Finder
Find useful local, national and official startup support.
Business Goals Builder
Set goals that guide the business rather than sit forgotten.
First Year Planner
Do not just launch the business—build a stronger first year.
Launch marketing and delivery
Launch Content Studio
Turn one clear business story into everything needed for launch.
First Supplier Finder
Find dependable suppliers before the first customer is waiting.
First Customer Journey Builder
Make every customer know what happens next.
Opening Hours & Availability Planner
Be available professionally without making promises the business cannot keep.