UK Trades & SME Compliance & Growth System — CIS, RAMS, Employment & Debt Recovery Bundle

The complete compliance and admin foundation for UK trades and small service businesses — six documents covering everything from your first subcontractor to your first employee to your first overdue invoice.

What's included:

• Master Guide (.docx) — CIS registration and deduction rates, the April 2026 CIS reforms, RAMS and CDM 2015 basics, employment law essentials for your first hire, statutory late payment interest and debt recovery, UK GDPR basics, and an insurance checklist.
• - RAMS & Method Statement Templates (.docx) — a blank fillable template plus a fully worked example for a common high-risk task.
• - Employment Contract & Written Statement Template (.docx) — covers every point required by law in a day-one written statement of employment particulars, plus a pre-start checklist.
• - Late Payment Debt Recovery Toolkit (.docx) — three ready-to-send letter templates (reminder, formal notice, final demand) referencing your statutory interest and compensation entitlement.
• - CIS & Cash Flow Tracker (.xlsx) — a subcontractor CIS deduction log, a late payment interest calculator, and a 13-week cash flow forecast, all fully formula-driven.

Who it's for: UK trades businesses taking on subcontractors or their first employee, and any small service business that wants its compliance paperwork and cash flow planning sorted in one go.

This is a general information resource, not legal, tax or insurance advice — always confirm specifics with HMRC, a solicitor or your accountant before relying on it for a decision with financial or legal consequences.