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When it comes to maximising your returns in a tax-efficient way, Innovative Finance ISAs (IFISAs) and peer-to-peer (P2P) lending are gaining increasing attention. IFISAs allow you to lend money through regulated P2P lending platforms, like easyMoney, while benefiting from tax-free returns. However, it is important to fully understand how these products work, including the risks involved.

Efficient cash management is crucial for businesses, whether for managing day-to-day expenses or future growth initiatives. While maintaining liquidity is important, leaving large amounts of cash in low-interest accounts could mean missing out on valuable opportunities for growth. Many companies are now exploring flexible investment options that offer higher returns without sacrificing access to funds when needed.