How small businesses manage that money may decide whether they weather the next difficult period – or find themselves caught out by a problem they didn’t know they had. Too many businesses still treat cash management as administrative background noise rather than a strategic discipline. After surveying a pool of 500 senior leaders at UK businesses, we found three connected issues running through how British businesses manage their cash. Especially for smaller businesses operating on tighter margins, protection risk can appear invisible until the moment it is not. Most small businesses are looking hard for savings right now – and one of the most significant is sitting in their own bank account, untouched.