You started a limited company, so the money in the business account is the company’s money, not yours. Even if you’re the one who built it from scratch, put the hours in, and are the reason it exists at all. That distinction matters a lot when it comes to director’s loans. And it’s the part that catches plenty of business owners completely off guard.

Busy isn’t a financial metric. And making a hiring decision based on how stretched you feel, without looking at the numbers, is one of the most common (and costly) mistakes service-based limited company owners make.