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Government's pub-only business rates package is "poor decision based on politics", ACT parent company Bira says

29 Jan 2026

The government's decision to give pubs a 15% business rates discount while excluding independent retailers is a "poor decision based on politics rather than what is good for the local economy",... Read more…

Independent retailers demand equal treatment as Government prepares pub rates relief

9 Jan 2026

ACT parent company Bira has has demanded equal treatment for small shops after the government announced plans to water down business rate rises for pubs.
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Christmas and New Year message from ACT Director Jonathan Harrison

23 Dec 2025

An end of year message from Jonathan Harrison, Director of the ACT.
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Scottish Government urged to cut business rates for indie retailers

11 Dec 2025

ACT parent company Bira has called on the Scottish Government to follow Wales's example and introduce genuine business rates reductions for retail premises ahead of the Scottish Budget on 13... Read more…

Independent retailers to see rates bills soar by up to 15% despite government's "transformation" promises

2 Dec 2025

Independent retailers across the UK are facing business rates increases of up to 15% next year despite government promises of the "lowest tax rates since 1991", ACT parent company Bira has... Read more…

UK's E-Bike Positive campaign to be adopted by the BA & ACT

1 Dec 2025

As of Thursday 1st January 2026, the E-Bike Positive campaign will fall under the joint guardianship of the Bicycle Association (BA) and the Association of Cycle Traders (ACT).
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Cycle to work scheme escapes cap but ACT warns Budget fails cycle retailers on business rates and imports

26 Nov 2025

The ACT has welcomed the Government's decision not to impose a cap on the cycle to work scheme, calling it "common sense prevailing" after weeks of speculation threatened a vital sales tool for... Read more…

Independent retailers reject Black Friday as three-quarters refuse to participate

24 Nov 2025

More than three-quarters of independent retailers, including some of those in the cycling retail sector, are boycotting Black Friday this year, rejecting pressure... Read more…

Stop being a dumping ground for used e-bike batteries

11 Nov 2025

Used e-bike batteries are piling up because too many suppliers are failing to meet their legal obligations and it’s time to stop being polite about it, writes ACT Director Jonathan... Read more…

Independent retailers urge Chancellor - Boost business confidence or risk killing growth before it starts

7 Nov 2025

Britain's independent retailers, including those in the cycling retail sector, are calling on Chancellor Rachel Reeves to use the autumn budget to restore... Read more…

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Businesses offering retail finance can now save hundreds of pounds per year with ActSmart's new initiative

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ActshoppingSmart subscribers will be able to save time and money when offering retail finance with the new Retail Finance Appointed Representative initiative, meaning they get all the benefits of offering regulated finance with no Financial Conduct Authority (FCA) involvement.

Over the past year retail finance has played a key role in sales throughout the pandemic; when comparing Jan 2020 to Jan 2021 applications to purchase items through retail finance have increased by nearly 50%.

With more businesses realising the value that retail finance can bring to their business, ActSmart has now transformed the process to make it easier and cheaper than ever before. The brand new Retail Finance Appointed Representative service will save ActSmart subscribers both time and money on a yearly basis by removing the FCA acceptance and renewal processes.

Key benefits of the new service include:

  • Offer regulated finance to your customers
  • No initial FCA application fee - save £100
  • No FCA yearly renewal fees (except any incurred prior to being appointed) - save a minimum of £150 per year
  • No FCA paperwork - save time and effort
  • Liaise directly with ActSmart not the FCA
  • Offer finance with no subsidies

For more information and to apply for the Retail Finance Appointed Representative service please visit the ActSmart website here or get in touch at info@actsmart.biz.

Please note: Owing to the FCA fee structure and process for changing from a directly authorised business to an Appointed Representative ActSmart will currently be prioritising non-authorised businesses. Businesses that are already directly authorised by the FCA can still take advantage of the cost and time savings by becoming an Appointed Representative but the process will be completed nearer the next FCA reporting period.

All interested businesses should register using the form on this page and we will contact you in due course.

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