{"id":579502,"date":"2026-08-12T10:49:48","date_gmt":"2026-08-12T09:49:48","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=579502"},"modified":"2026-08-12T10:49:48","modified_gmt":"2026-08-12T09:49:48","slug":"business-savings-statistics-how-much-should-a-business-have-in-savings","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/business-banking\/business-savings-statistics-how-much-should-a-business-have-in-savings","title":{"rendered":"Business savings statistics: How much should a business have in savings?"},"content":{"rendered":"<p>There are around 5.7 million businesses registered in the UK &#8211; and the vast majority of these are SMEs (small and medium-sized enterprises). We look at the latest statistics on how much businesses have in cash reserves &#8211; and whether they are saving any.<\/p><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><h3 class=\"luna-sectionTitle\">UK savings statistics: Highlights<\/h3><ul><li>The average small SME holds around \u00a3225,000 in cash savings.<\/li><li>The average mid-sized SME holds around \u00a3620,000 in cash savings.<\/li><li>72% of SMEs leave their cash reserves idle.<\/li><li>64% of SMEs hold surplus cash in current accounts, making it the most popular lcoation.<\/li><li>Three quarters of SMEs (73%) save mostly or entirely with high street banks.<\/li><li>Top reasons for not moving cash include.<\/li><\/ul><\/div><\/article><h3>How much does the average small business have in savings?<\/h3><p><a href=\"https:\/\/www.flagstoneim.com\/business\/learn\/business-insights\/how-businesses-use-laddering-to-earn-more\" target=\"_blank\">Research by Flagstone<\/a> shows that the average mid-sized SME (small and medium-sized enterprise) holds around \u00a3620,000 in cash reserves. Meanwhile, the average small SME has around \u00a3225,000 in cash reserves. <\/p><p>This is a much higher figure than the average personal savings &#8211; which a Finder survey reveals is \u00a319,214 &#8211; so there is potential for earning interest on this money. <\/p><h3>What do small businesses do with their cash reserves?<\/h3><p>According to <a href=\"https:\/\/www.flagstoneim.com\/business\/learn\/business-insights\/the-cash-performance-gap-report\" target=\"_blank\">Flagstone&#8217;s cash performance gap report<\/a>, only 28% of SMEs are actively managing their cash reserves, which means that 72% are just leaving the cash sitting rather than making sure it&#8217;s earning the best savings rates.<\/p><p>In fact, 64% of businesses hold their surplus cash in a current account, which rarely offer decent (or any) returns. This is compared to the 39% of businesses that hold their cash in an instant access savings account, and the third (32%) of businesses that hold their cash in a fixed-term savings account. <\/p><h4>Where do businesses hold their savings?<\/h4><ul class='nav nav-tabs pb-tabs'><li class=\"active\"><a href=\"#tab8431\" data-toggle=\"tab\">Chart<\/a><\/li><li class=\"\"><a href=\"#tab6066\" data-toggle=\"tab\">Table<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab8431\" class=\"tab-pane active \"><iframe id=\"datawrapper-chart-kuuek\" title=\"Current accounts are the most popular place for SMEs&#039; surplus cash\" width=\"100%\" height=\"322\"  scrolling=\"no\" aria-label=\"Bar Chart\" src=\"https:\/\/datawrapper.dwcdn.net\/kuuek\/1\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><\/div><div id=\"tab6066\" class=\"tab-pane \"><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Account type<\/th><th scope=\"col\">Percentage<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Current account<\/th><td>64%<\/td><\/tr><tr><th scope=\"row\">Instant access savings account<\/th><td>39%<\/td><\/tr><tr><th scope=\"row\">Fixed-term savings accounts<\/th><td>32%<\/td><\/tr><tr><th scope=\"row\">Notice savings accounts<\/th><td>24%<\/td><\/tr><tr><th scope=\"row\">Cash management platforms<\/th><td>23%<\/td><\/tr><tr><th scope=\"row\">Money market funds<\/th><td>14%<\/td><\/tr><tr><th scope=\"row\">Other government bonds (e.g. Treasury bills and Gilts)<\/th><td>13%<\/td><\/tr><\/tbody><\/table><\/div><\/div><h3>Why don&#8217;t businesses seek a better savings rate?<\/h3><p>Research shows that 77% of SMEs are looking for returns on their savings, but only a quarter (24%) have actually acted.<\/p><p>The top reason for this is that businesses want their cash to be liquid and easy to access, rather than locked away, with 2 in 5 (40%) giving this as a factor. <\/p><p>Other commons factors include the lack of time (27%) and a sense that it will be complex or difficult (25%).<\/p><ul class='nav nav-tabs pb-tabs'><li class=\"active\"><a href=\"#tab8431-1\" data-toggle=\"tab\">Chart<\/a><\/li><li class=\"\"><a href=\"#tab6066-1\" data-toggle=\"tab\">Table<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab8431-1\" class=\"tab-pane active \"><iframe id=\"datawrapper-chart-MMYLW\" title=\"Top reasons for not pursuing better business savings rates\" width=\"100%\" height=\"262\"  scrolling=\"no\" aria-label=\"Bar Chart\" src=\"https:\/\/datawrapper.dwcdn.net\/MMYLW\/1\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><\/div><div id=\"tab6066-1\" class=\"tab-pane \"><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Reason for not finding better returns<\/th><th scope=\"col\">Percentage<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Want to keep cash liquid<\/th><td>27%<\/td><\/tr><tr><th scope=\"row\">Lack of time<\/th><td>27%<\/td><\/tr><tr><th scope=\"row\">Seems too complex<\/th><td>25%<\/td><\/tr><tr><th scope=\"row\">Sums are too small to bother<\/th><td>25%<\/td><\/tr><tr><th scope=\"row\">Concern about risks<\/th><td>20%<\/td><\/tr><tr><th scope=\"row\">Lack of awareness of options<\/th><td>19%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>How much money does the average small business have in cash reserves and savings?<\/p>\n","protected":false},"author":1312,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"","_yoast_wpseo_title":"%%title%% 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09:49:51\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[3786],"tags":[],"asset_tag":[],"class_list":["post-579502","post","type-post","status-publish","format-standard","hentry","category-business-banking"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Business savings statistics: How much should a business have in savings?<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/business-banking\/business-savings-statistics-how-much-should-a-business-have-in-savings\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Business savings statistics: How much should a business have in savings?\" \/>\n<meta property=\"og:description\" content=\"How much money does the average small business have in cash reserves and savings?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/business-banking\/business-savings-statistics-how-much-should-a-business-have-in-savings\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-12T09:49:48+00:00\" \/>\n<meta name=\"author\" content=\"Sophie Barber\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" 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