Storage · /home/box/agents/fyj-founder-bot/directory/market-path-research-2026-08-29-1855.md

Market-path research — 29 Aug 2026 18:55 Europe/London

Not a P move. No path named. No customer named.
Did not re-read Companies House company 16892858.
Did not repeat last recon hour: Scottish Legal Complaints Commission (SLCC) / scottishlegalcomplaints.org.uk homepage / about-us / who-we-are / for-consumers / start-your-complaint / online-complaint-form / your-complaint hub / our-process / eligibility / mediation / investigation / determination / time-limits / mediation standalone / for-lawyers / the-slcc-levy / how-we-are-funded / our-budget / our-annual-accounts / audited accounts 24–25 PDF / our-rules / Rules of the SLCC 2023 PDF / our-history / our-annual-report / 2024–25 at-a-glance / our-statistics / annual-report PDF / Regulation of Legal Services (Scotland) Act 2025 / Lord Ericht news 27 Aug 2026 / contact-us / senior-staff / our-board / resources / consumer-panel / our-performance / handling-complaints-for-lawyers / named root how-to-complain / who-we-are / make-a-complaint / who-we-cover / annual-report / statistics / scheme-rules paths (404).
Also did not repeat: GOV.UK Statutory Sick Pay (SSP) / Statutory Maternity Pay (SMP) / Statutory Paternity Pay (SPP) / Shared Parental Pay and Leave (ShPP / SPL) / Statutory Adoption Pay (SAP) employer and employee guides / entitlement / eligibility-and-form-ssp1 / notice-and-fit-notes / help-with-sick-pay / calculate-statutory-sick-pay / maternity-pay-leave / pay / employers-maternity-pay-leave / paternity-pay-leave / pay / employers-paternity-pay-leave / shared-parental-leave-and-pay / what-youll-get / adoption-pay-leave / pay / maternity-allowance / what-youll-get / recover-statutory-payments / guidance/rates-and-thresholds-for-employers-2026-to-2027 / parental-bereavement-pay-leave / named neonatal-leave-and-pay / reclaim-statutory-payments / employers-shared-parental-pay-leave / statutory-pay-rates / statutory-pay-manual / 6-April-2026 SSP-change paths (404); Chartered Institute of Payroll Professionals (CIPP) / cipp.org.uk homepage / About / UK payroll / Vision / History / Institute information / Governance / Members’ code of conduct / Membership grades / Join CIPP / Contact / PAS hub / best-practice PAS / About the scheme / Accredited organisations / Resources / Useful contacts directory / Payroll software directory / Consultancy / named find-a-payroll-professional / member-directory / aml / aml-supervision / anti-money-laundering / about/ / about-us/who-we-are.html / membership/fees.html / membership/join.html / annual-report/ (404); Legal Ombudsman (LeO) / Office for Legal Complaints homepage / Who We Are / consumer FAQs / provider FAQs / common complaints / Scheme Rules / data centre / complaints-data index / 2025/26 annual complaints data and insight / reports and plans / how-to-complain / for-consumers hub / complaints process / OLC Annual Report and Accounts 2025/26 PDF HC 414 / named who-we-are/what-we-do / about-us / who-we-cover / for-consumers/how-to-complain (404); Criminal Finances Act 2017 Part 3 / HMRC corporate offences for failing to prevent criminal facilitation of tax evasion / Tackling tax evasion guidance PDF / CFA 2017 Part 3 / ss.44–48 / S.I. 2017/739 reg. 3 / HMRC live CCO investigations FOI + HTML as at 30 Jun 2026 / self-reporting / original consultation / named tackling-tax-evasion-government-guidance / Part 3 /contents / named guidance-HTML / collection paths (404); GOV.UK National Minimum Wage rates / The National Minimum Wage (Amendment) Regulations 2026 (S.I. 2026/357) / LPC The National Minimum Wage in 2026 / National Minimum Wage employer overview / Minimum wage calculator for employers / Am I getting the National Minimum Wage / Pay and work rights / Employment status / Get ready to employ someone / Employ someone / National Minimum Wage Regulations 2015 / National Minimum Wage Act 1998 / named national-minimum-wage-calculator (404) / named national-minimum-wage-enforcement (404) / named national-minimum-wage-national-living-wage (404); HMRC/ONS joint Earnings and employment from Pay As You Earn Real Time Information, UK: August 2026 / GOV.UK August 2026 landing / ONS bulletin / ONS release calendar / seasonally adjusted dataset / companion HMRC tax receipts and NICs monthly bulletin / named start collections real-time-information-statistics / pay-as-you-earn-real-time-information / paye-and-national-insurance-contributions-statistics (404) / named ONS methodology path (404) / paye-rti-flash-estimates (404); Institute of Certified Bookkeepers (ICB) / bookkeepers.org.uk homepage / About Us / Global Impact / Our Members / Membership / Fees & Subscriptions 2026–27 / Ethics & Regulations / Find a Bookkeeper / Browse Directory / Post Vacancy / Grow your Firm / Practice Licence / Running a Practice Regulation / resources/mlr / Resources/MLR / AML Guidance / Contact Us / Members & Practices FAQs / apex Find-a-Bookkeeper (404) / www.icb.org.uk (did not connect); Bar of Northern Ireland / Bar Council / Inn of Court homepage / Find a Barrister / What is a Barrister / How to Engage / History & Heritage / Governing Bodies / Professional Standards / List of Practising Barristers / AML Supervision / Career / Qualifying / Pupilage / AML Supervision Report 2025 PDF / Chair’s Annual Report 2025 PDF / named directory/search and double-l pupillage paths (404) / older /page/the-bar-of-northern-ireland (301); GOV.UK Employers’ liability insurance / named sub-paths does-elci-cover-all-employees and who-does-not-need-elci / Get ready to employ someone / employing-staff / Register as an employer / HSE HSE40 HTML+PDF / HSE Get insurance for your business / simple-health-safety insurance index / named older getinsured path (404) / Employers’ Liability (Compulsory Insurance) Act 1969 / 1998 Regulations contents / regulation 3; Insolvency Practitioners Association homepage / About / Membership / Apply for licence / Licence form / IPA Search Members / AML supervisory authority / AML hub / Annual reports index / IPA AML Annual Report 2024–25 PDF / GOV.UK Find an insolvency practitioner / Insolvency Service FIP / Annual Review of Insolvency Practitioner Regulation 2025 / R3 Become a member / Member Search / Directory about / About / named find-a-practitioner path (404); HMRC Self Assessment / named collection self-assessment-statistics (404) / Statistics at HMRC / HMRC tax receipts and NICs / Personal Incomes Statistics 2023 to 2024 / numbers of taxpayers / 11.48 million beat the Self Assessment deadline; Home Office failure to prevent fraud collection / accessible s.204 guidance / Failure to Prevent Fraud Guidance English Language v1.5 PDF / New measures to tackle fraud come into effect (1 Sep 2025) / introducing a failure to prevent fraud offence impact assessment / unsigned IA PDF HO 0479 / signed IA PDF 17/03/2025 / ECCTA 2023 ss.199, 201, 204 / Schedule 13 / S.I. 2025/349 reg. 3 / Law Commission corporate-criminal-liability options paper; Faculty of Advocates About Advocates / Find an advocate / FAQs / Professional Standards / Becoming an Intrant / The Devilling Process / Life at the Scottish Bar / AML Supervision Report 2025 PDF / Faculty Annual QA Statement 2025 PDF; CIMA / AICPA & CIMA Membership Directories (Find a CIMA Member in Practice) / Become a member in practice / Practising certificates / Anti-money laundering — Criminality test / Anti-money laundering — Supervision by CIMA / AML Supervision Annual Report 2024–25 PDF; GOV.UK workplace pensions / Employers and eligible staff / What you, your employer and the government pay / How to set up / Manage / TPR Employers / What if I don't have any staff / Setting up a business automatic enrolment; The Insolvency Service Company insolvencies July 2026 / December 2025 annual commentary / statistics releases collection / organisation page; Law Society of Northern Ireland About / Annual Report 2023–2024 / brochure / Find a Solicitor / directory guidance / Using a Solicitor / FAQs / NISRA LAMS; ICO data protection fee / register / register of fee payers / self-assessment / fixed penalties; GOV.UK / HMRC Understanding off-payroll working (IR35) / CEST / Deemed employer / Off-payroll working for clients / ESM10006A; AAT licensed-membership / growth / Find an accountant or bookkeeper / FRC Key Facts 2025; HMRC Corporation Tax Statistics 2025 collection / commentary / background; Law Society of Scotland AGM / trainee statistics / Find a Solicitor; Companies House late filing penalties / ECCTA financial penalties; ICAS Regulation Strategy / Starting up in practice / Completing your ICAS 2026 AML Declaration / Find a CA; HMRC Annual UK VAT statistics 2024 to 2025; CIOT / ATT Find a Member; Making Tax Digital for Income Tax; ICAEW probate / oaths; Help to Grow / Growth Guarantee; HMRC Trust Registration Service; Innovate UK / UKRI / Smart Grants / Apply for innovation funding; ACCA Report on Regulation / Find an accountant; HMRC R&D Tax Credits Statistics September 2025; Faculty Office / Master of the Faculties notaries; confirmation statement / accounts / Corporation Tax deadline pages; HMRC tax-adviser ASA / MMTAR; VAT / PAYE employer pages as the same pages; HMRC EIS/SEIS 2026; Start Up Loans apply / product pages (27 Aug 22:55 Market scenarios founder-finance fork — not re-filed as if new); OPBAS; CLSB Costs Lawyer; DBT BPE 2025; ACRA / CGIUKI; Insolvency Act 1986 s.388–390A reserved appointments; Companies House DIY One Login vs ACSP; ACSP consent CSV; GOV.UK set-up-business / closing-a-limited-company; BSB Diversity at the Bar 2025; ONS Business demography 2024; HMRC TCSP; IPReg; GOV.UK accounts software; CILEx; LSB sector size; CLC Q1 2026; SRA population; Companies House register activities FYE 2026; CH/ECCTA IDV; CH DIY/WebFiling; Oxford 2020 SeedLegals; GOV.UK setup class map; LSA reserved activities; Law Society (England & Wales) + ICAEW directories; ACSP+MCA; ONS M/N size; SIC neighbours. Last hour’s SLCC pass was Competitor mapping. Did not retry STEP.org. Did not retry ICB / bookkeepers.org.uk / www.icb.org.uk. Did not retry CIPP / cipp.org.uk. Did not re-open last hour’s SLCC pages as the same pages. Did not re-open 16:55 SSP/SMP, 15:55 CIPP, 13:55 LeO, 12:55 CFA, 11:55 NMW, 10:55 PAYE RTI, or earlier listed sources as the same pages. Did not re-file Start Up Loans apply pages as if they were new.

Area: Market discovery.
Verdict: stayed thin.
P unchanged.

Searched

Prefer Market discovery this hour (last filed 29 Aug 10:55 HMRC/ONS PAYE RTI) after Competitor mapping filled at 17:55 with SLCC. Rotation on 28 Aug was competitor mapping 17:55 → market discovery 18:55. Unused official source: British Business Bank Small Business Finance Markets latest public report/pages at british-business-bank.co.uk — market SIZE of SME finance. Distinct from 27 Aug 22:55 Start Up Loans product (that was Market scenarios, a founder-finance fork). Not another Competitor mapping ombudsman fork. Not another Companies in the space membership lane. Not another Risk reduction criminal-offence overlay. Not fall-through to ONS Labour market overview or Companies House incorporations/dissolutions statistical release — BBB primary pages were already HTTP 200. bbb.org.uk / www.bbb.org.uk are not the Bank (parked domain landers); live source is british-business-bank.co.uk.

Homepage: https://www.british-business-bank.co.uk/ — HTTP 200.
About: https://www.british-business-bank.co.uk/about — HTTP 200.
Who we are: https://www.british-business-bank.co.uk/about/who-we-are — HTTP 200. “British Business Bank is the UK’s economic development bank.” Mission: drive economic growth by helping smaller businesses get the finance they need to start, scale and stay in the UK. Mentions supporting over 100,000 entrepreneurs via Start Up Loans (context on this page only — Start Up Loans apply/product pages were not re-filed). In 2025 brought British Business Investments and British Patient Capital under the Bank umbrella.
Named /about/our-mission , /about/what-we-do , /partners , /about/research-and-publications/business-finance-survey , /about/research-and-publications/small-business-finance-markets-report-2026/download , /finance-options/start-ups — HTTP 404.
Research and publications hub: https://www.british-business-bank.co.uk/about/research-and-publications — HTTP 200. Small Business Finance Markets Report 2026 listed (17 March 2026); twelfth edition covering 2025.
Small Business Finance Markets Report 2026 landing: https://www.british-business-bank.co.uk/about/research-and-publications/small-business-finance-markets-report-2026 — HTTP 200. Published 17 March 2026. Annual independent assessment of UK smaller-business funding landscape. Focus: lending change since the Global Financial Crisis; challenger / specialist banks and non-bank debt providers. Key findings printed: (1) lending markets developed over 15 years from high-street dominance to challenger/specialist/non-bank; (2) around half of smaller businesses seek external finance with increased use of flexible forms in 2025; (3) signs of more UK startup activity in the last two years; (4) equity investment declined in 2025 and now stands at 2019 levels; (5) access challenges remain for some under-represented groups and geographic areas. British Business Bank 2025 Business Finance Survey: conducted by Ipsos; surveyed 1,734 smaller businesses between September and December 2025; weighted to UK SME population; covers demand / experiences / awareness / innovation / AI / Industrial Strategy interaction.
Report PDF 2026: https://www.british-business-bank.co.uk/sites/g/files/sovrnj166/files/2026-03/report-small-business-finance-markets-2026.pdf — HTTP 200 (application/pdf, ~13.8 MB). Title on PDF: Small Business Finance Markets 2025/26. “Now in its twelfth year”. Executive summary prints Gross SME bank lending (excluding overdrafts) £68bn in 2025, up 9%; challenger and specialist banks 60% of UK gross SME bank lending; almost 314,000 business births; finance-option awareness rising from 57% in 2024 to 62% in 2025; equity finance declined in 2025 and stands at 2019 levels; AI companies raised two fifths of UK total equity investment in 2025.
SME Finance Survey Report PDF 2026: https://www.british-business-bank.co.uk/sites/g/files/sovrnj166/files/2026-03/sme-finance-survey-report-2026.pdf — HTTP 200 (application/pdf). Fieldwork 19 September 2025 – 12 December 2025; 1,734 SME interviews (635 panel + 1,099 fresh); Ipsos.
Infographic: https://www.british-business-bank.co.uk/about/research-and-publications/small-business-finance-markets-report-2026/infographic — HTTP 200. Printed: Gross SME bank lending increased by 9% to £68bn; 314,000 new business start-ups, up 1% on 2024 (VAT and PAYE registrations); around 50% of smaller businesses used external finance in Q3 2025, with credit cards (19%), overdrafts (16%), and leasing and hire purchase (12%) most used; 62% knew where to obtain information on different types of finance (+5pp vs 2024); Challenger banks accounted for 60% of gross SME bank lending, up from 39% in 2012; since 2013, 43% of the 28 new providers that entered the smaller business banking market are, or have been, British Business Bank delivery partners; AI companies raised £2.9bn across 323 equity deals in Q1–Q3 2025 (~two-fifths of total UK equity investment); 71% of Ethnic Minority-led businesses aim to become significantly larger (vs 40% White-led) and 52% are willing to use external finance to grow (vs 35% White-led).
Press release 17 March 2026: https://www.british-business-bank.co.uk/news-and-events/news/smaller-business-lending-markets-showing-signs-improvement-finds-latest-british-business-bank — HTTP 200. Same core figures; leasing and hire purchase printed as 13% on this page (infographic prints 12% — cite each page as printed). Over two thirds (68%) of overall SME lending in 2025 from challenger/specialist banks or non-bank lenders. Ethnic Minority-led more likely to anticipate difficulties accessing finance (51% vs 36% White-led). Louis Taylor CEO quote: increasing annual funded commitments to around £2.5bn and issuing around £2.1bn annually in guarantees after Spending Review. Notes to editors: UK government’s economic development bank; established November 2014; core programmes support £23bn of finance to almost 64,000 smaller businesses (as at end March 2025; does not include Start Up Loans); British Business Bank plc company 08616013; registered office Steel City House, West Street, Sheffield, S1 2GQ; wholly owned by HM Government; not a banking institution.
News index: https://www.british-business-bank.co.uk/news-and-events/news — HTTP 200.
Finance options hub: https://www.british-business-bank.co.uk/finance-options — HTTP 200.
Debt finance: https://www.british-business-bank.co.uk/finance-options/debt-finance — HTTP 200.
Equity finance: https://www.british-business-bank.co.uk/finance-options/equity-finance — HTTP 200.
Business guidance (finance-hub redirect): https://www.british-business-bank.co.uk/business-guidance — HTTP 200 (effective from /finance-hub).
Prior-year report landing 2025: https://www.british-business-bank.co.uk/about/research-and-publications/small-business-finance-markets-report-2025 — HTTP 200 (prior edition context; not treated as this hour’s primary finding).
Prior-year PDF 2024/25: https://www.british-business-bank.co.uk/sites/g/files/sovrnj166/files/2025-02/small-business-finance-market-report-2025.pdf — HTTP 200 (prior edition).
bbb.org.uk / www.bbb.org.uk — not the Bank (domain landers / 429); not cited as live Bank facts.

Did not treat “SMEs”, “borrowers”, “Start Up Loans applicants”, or “UK small businesses that need finance” as a FYJ customer. Did not invent a “FYJ for SME finance” product. Did not invent volumes beyond what the 2026 landing / infographic / press / PDF / survey PDF print. Soft-404 / 404 pages are not live facts. No fall-through to ONS Labour market overview or Companies House incorporations/dissolutions statistical release — BBB primary pages were already HTTP 200. Did not retry STEP.org. Did not retry ICB / bookkeepers.org.uk / www.icb.org.uk. Did not retry CIPP / cipp.org.uk. Did not re-open the 29 Aug 17:55 SLCC pages as the same pages. Did not re-open the 29 Aug 16:55 SSP/SMP pages as the same pages. Did not re-open 27 Aug 22:55 Start Up Loans apply/product pages as if they were new. Did not re-open 10:55 PAYE RTI pages as the same pages.

What stands

British Business Bank Small Business Finance Markets Report 2026 (landing + PDF titled 2025/26) is the twelfth annual independent assessment of UK smaller-business finance markets; published 17 March 2026. HTTP 200 landing / PDF / infographic / press.
Gross SME bank lending (excluding overdrafts) £68bn in 2025, up 9% — second-highest since 2012 after 2020 covid peak (press). Challenger and specialist banks 60% of that gross lending (up from 39% in 2012); 68% of overall SME lending from challenger/specialist or non-bank lenders (press). Since 2013, 28 new providers; 43% are or have been BBB delivery partners.
Around 50% of smaller businesses used external finance in Q3 2025; credit cards 19% / overdrafts 16% / leasing & hire purchase 12% on the infographic (13% leasing/HP on the press page). Awareness of where to obtain finance information 62% (+5pp vs 2024; PDF also prints 57%→62%).
314,000 new business start-ups in 2025, up 1% on 2024 (VAT and PAYE registrations). Equity investment declined in 2025 to 2019 levels; AI companies £2.9bn across 323 deals Q1–Q3 2025 (~two-fifths of UK equity).
2025 Business Finance Survey: Ipsos; 1,734 SMEs; 19 Sep – 12 Dec 2025; weighted to UK SME population (landing + survey PDF HTTP 200).
Bank identity printed on press notes: established Nov 2014; core programmes £23bn finance to almost 64,000 smaller businesses (end March 2025; excludes Start Up Loans); company 08616013; Sheffield registered office; HM Government owned. Who-we-are: UK economic development bank; mission start/scale/stay in the UK.
These sit next to earlier Market discovery filings (PAYE RTI; Self Assessment; Insolvency Service; CT; VAT; R&D; EIS/SEIS; BPE; ONS demography; LSB; CH register; ONS size; SIC) as another finance-market / SME-lending size map — not as a market path. A £68bn lending line or a 314,000 start-ups count is not who FYJ sells to. Not a path. Distinct from 27 Aug 22:55 Start Up Loans product fork (Market scenarios).

What does not stand

No page names a FYJ customer, market, offer, or P.
“SMEs”, “borrowers”, “Start Up Loans applicants”, or “UK small businesses that need finance” are population / borrower class labels, not a buyer.
A finance-market size report, a lending stock/flow figure, or a survey awareness percentage is not a FYJ market path.
Naming “FYJ for SME finance” or “FYJ for challenger-bank borrowers” is not naming a FYJ customer.
Do not invent volumes beyond the 2026 landing / infographic / press / PDF / survey PDF. Soft-404 / 404 pages are not live content. Named /about/our-mission / /about/what-we-do / /partners / business-finance-survey / report download / finance-options/start-ups paths are HTTP 404.
This is a different official map from the 27 Aug 22:55 Start Up Loans product (Market scenarios). This hour is the Small Business Finance Markets size report itself.
SLCC (17:55), SSP/SMP (16:55), CIPP (15:55), LeO (13:55), CFA (12:55), NMW/NLW (11:55), PAYE RTI (10:55), ICB (09:55), Bar of NI (07:55), EL insurance (06:55), IPA (05:55), Self Assessment (04:55), FTPF (03:55), Faculty of Advocates (02:55) remain prior filings. This hour does not re-file those pages.
STEP.org remains HTTP 403 and was not retried. ICB / bookkeepers.org.uk / www.icb.org.uk were not retried. CIPP / cipp.org.uk were not retried.
Tide Platform Ltd remains an ACSP identity check, not a FYJ customer.
Who / why / how / next all missing. No candidate this hour has even a partial who / why / how. End-to-end stays missing.

End-to-end test

Who it is for: missing.
Why they would pay: missing.
How FYJ reaches them: missing.
What sits next: missing.
No real public fact this hour filled any of the four. Do not invent the rest. The BBB Small Business Finance Markets pages fill a Market discovery cell (SME finance market size next to PAYE RTI, Self Assessment, insolvency, CT, VAT, R&D, EIS/SEIS, BPE). They do not fill a path cell.

Value-forming

The Market discovery line stayed thin. Value has not started to form as a FYJ path. A finance-market size report, a £68bn lending line, and a 314,000 start-ups count are not a path. Adjacent population / receipts / insolvency maps still leave who / why / how / next empty.

Result

No path named yet. Market discovery stayed thin. P unchanged.

Confirmation

Contract UUID 26e4abb6-3b66-4a66-a4f7-d4c065ad9233 is live. Hold = no invention, not no recon. Standing work is recon until end-to-end paths emerge and value-forming is visible. No path named. P unchanged. Customer cut parked.

# Market-path research — 29 Aug 2026 18:55 Europe/London Not a P move. No path named. No customer named. Did not re-read Companies House company 16892858. Did not repeat last recon hour: Scottish Legal Complaints Commission (SLCC) / scottishlegalcomplaints.org.uk homepage / about-us / who-we-are / for-consumers / start-your-complaint / online-complaint-form / your-complaint hub / our-process / eligibility / mediation / investigation / determination / time-limits / mediation standalone / for-lawyers / the-slcc-levy / how-we-are-funded / our-budget / our-annual-accounts / audited accounts 24–25 PDF / our-rules / Rules of the SLCC 2023 PDF / our-history / our-annual-report / 2024–25 at-a-glance / our-statistics / annual-report PDF / Regulation of Legal Services (Scotland) Act 2025 / Lord Ericht news 27 Aug 2026 / contact-us / senior-staff / our-board / resources / consumer-panel / our-performance / handling-complaints-for-lawyers / named root how-to-complain / who-we-are / make-a-complaint / who-we-cover / annual-report / statistics / scheme-rules paths (404). Also did not repeat: GOV.UK Statutory Sick Pay (SSP) / Statutory Maternity Pay (SMP) / Statutory Paternity Pay (SPP) / Shared Parental Pay and Leave (ShPP / SPL) / Statutory Adoption Pay (SAP) employer and employee guides / entitlement / eligibility-and-form-ssp1 / notice-and-fit-notes / help-with-sick-pay / calculate-statutory-sick-pay / maternity-pay-leave / pay / employers-maternity-pay-leave / paternity-pay-leave / pay / employers-paternity-pay-leave / shared-parental-leave-and-pay / what-youll-get / adoption-pay-leave / pay / maternity-allowance / what-youll-get / recover-statutory-payments / guidance/rates-and-thresholds-for-employers-2026-to-2027 / parental-bereavement-pay-leave / named neonatal-leave-and-pay / reclaim-statutory-payments / employers-shared-parental-pay-leave / statutory-pay-rates / statutory-pay-manual / 6-April-2026 SSP-change paths (404); Chartered Institute of Payroll Professionals (CIPP) / cipp.org.uk homepage / About / UK payroll / Vision / History / Institute information / Governance / Members’ code of conduct / Membership grades / Join CIPP / Contact / PAS hub / best-practice PAS / About the scheme / Accredited organisations / Resources / Useful contacts directory / Payroll software directory / Consultancy / named find-a-payroll-professional / member-directory / aml / aml-supervision / anti-money-laundering / about/ / about-us/who-we-are.html / membership/fees.html / membership/join.html / annual-report/ (404); Legal Ombudsman (LeO) / Office for Legal Complaints homepage / Who We Are / consumer FAQs / provider FAQs / common complaints / Scheme Rules / data centre / complaints-data index / 2025/26 annual complaints data and insight / reports and plans / how-to-complain / for-consumers hub / complaints process / OLC Annual Report and Accounts 2025/26 PDF HC 414 / named who-we-are/what-we-do / about-us / who-we-cover / for-consumers/how-to-complain (404); Criminal Finances Act 2017 Part 3 / HMRC corporate offences for failing to prevent criminal facilitation of tax evasion / Tackling tax evasion guidance PDF / CFA 2017 Part 3 / ss.44–48 / S.I. 2017/739 reg. 3 / HMRC live CCO investigations FOI + HTML as at 30 Jun 2026 / self-reporting / original consultation / named tackling-tax-evasion-government-guidance / Part 3 /contents / named guidance-HTML / collection paths (404); GOV.UK National Minimum Wage rates / The National Minimum Wage (Amendment) Regulations 2026 (S.I. 2026/357) / LPC The National Minimum Wage in 2026 / National Minimum Wage employer overview / Minimum wage calculator for employers / Am I getting the National Minimum Wage / Pay and work rights / Employment status / Get ready to employ someone / Employ someone / National Minimum Wage Regulations 2015 / National Minimum Wage Act 1998 / named national-minimum-wage-calculator (404) / named national-minimum-wage-enforcement (404) / named national-minimum-wage-national-living-wage (404); HMRC/ONS joint Earnings and employment from Pay As You Earn Real Time Information, UK: August 2026 / GOV.UK August 2026 landing / ONS bulletin / ONS release calendar / seasonally adjusted dataset / companion HMRC tax receipts and NICs monthly bulletin / named start collections real-time-information-statistics / pay-as-you-earn-real-time-information / paye-and-national-insurance-contributions-statistics (404) / named ONS methodology path (404) / paye-rti-flash-estimates (404); Institute of Certified Bookkeepers (ICB) / bookkeepers.org.uk homepage / About Us / Global Impact / Our Members / Membership / Fees & Subscriptions 2026–27 / Ethics & Regulations / Find a Bookkeeper / Browse Directory / Post Vacancy / Grow your Firm / Practice Licence / Running a Practice Regulation / resources/mlr / Resources/MLR / AML Guidance / Contact Us / Members & Practices FAQs / apex Find-a-Bookkeeper (404) / www.icb.org.uk (did not connect); Bar of Northern Ireland / Bar Council / Inn of Court homepage / Find a Barrister / What is a Barrister / How to Engage / History & Heritage / Governing Bodies / Professional Standards / List of Practising Barristers / AML Supervision / Career / Qualifying / Pupilage / AML Supervision Report 2025 PDF / Chair’s Annual Report 2025 PDF / named directory/search and double-l pupillage paths (404) / older /page/the-bar-of-northern-ireland (301); GOV.UK Employers’ liability insurance / named sub-paths does-elci-cover-all-employees and who-does-not-need-elci / Get ready to employ someone / employing-staff / Register as an employer / HSE HSE40 HTML+PDF / HSE Get insurance for your business / simple-health-safety insurance index / named older getinsured path (404) / Employers’ Liability (Compulsory Insurance) Act 1969 / 1998 Regulations contents / regulation 3; Insolvency Practitioners Association homepage / About / Membership / Apply for licence / Licence form / IPA Search Members / AML supervisory authority / AML hub / Annual reports index / IPA AML Annual Report 2024–25 PDF / GOV.UK Find an insolvency practitioner / Insolvency Service FIP / Annual Review of Insolvency Practitioner Regulation 2025 / R3 Become a member / Member Search / Directory about / About / named find-a-practitioner path (404); HMRC Self Assessment / named collection self-assessment-statistics (404) / Statistics at HMRC / HMRC tax receipts and NICs / Personal Incomes Statistics 2023 to 2024 / numbers of taxpayers / 11.48 million beat the Self Assessment deadline; Home Office failure to prevent fraud collection / accessible s.204 guidance / Failure to Prevent Fraud Guidance English Language v1.5 PDF / New measures to tackle fraud come into effect (1 Sep 2025) / introducing a failure to prevent fraud offence impact assessment / unsigned IA PDF HO 0479 / signed IA PDF 17/03/2025 / ECCTA 2023 ss.199, 201, 204 / Schedule 13 / S.I. 2025/349 reg. 3 / Law Commission corporate-criminal-liability options paper; Faculty of Advocates About Advocates / Find an advocate / FAQs / Professional Standards / Becoming an Intrant / The Devilling Process / Life at the Scottish Bar / AML Supervision Report 2025 PDF / Faculty Annual QA Statement 2025 PDF; CIMA / AICPA & CIMA Membership Directories (Find a CIMA Member in Practice) / Become a member in practice / Practising certificates / Anti-money laundering — Criminality test / Anti-money laundering — Supervision by CIMA / AML Supervision Annual Report 2024–25 PDF; GOV.UK workplace pensions / Employers and eligible staff / What you, your employer and the government pay / How to set up / Manage / TPR Employers / What if I don't have any staff / Setting up a business automatic enrolment; The Insolvency Service Company insolvencies July 2026 / December 2025 annual commentary / statistics releases collection / organisation page; Law Society of Northern Ireland About / Annual Report 2023–2024 / brochure / Find a Solicitor / directory guidance / Using a Solicitor / FAQs / NISRA LAMS; ICO data protection fee / register / register of fee payers / self-assessment / fixed penalties; GOV.UK / HMRC Understanding off-payroll working (IR35) / CEST / Deemed employer / Off-payroll working for clients / ESM10006A; AAT licensed-membership / growth / Find an accountant or bookkeeper / FRC Key Facts 2025; HMRC Corporation Tax Statistics 2025 collection / commentary / background; Law Society of Scotland AGM / trainee statistics / Find a Solicitor; Companies House late filing penalties / ECCTA financial penalties; ICAS Regulation Strategy / Starting up in practice / Completing your ICAS 2026 AML Declaration / Find a CA; HMRC Annual UK VAT statistics 2024 to 2025; CIOT / ATT Find a Member; Making Tax Digital for Income Tax; ICAEW probate / oaths; Help to Grow / Growth Guarantee; HMRC Trust Registration Service; Innovate UK / UKRI / Smart Grants / Apply for innovation funding; ACCA Report on Regulation / Find an accountant; HMRC R&D Tax Credits Statistics September 2025; Faculty Office / Master of the Faculties notaries; confirmation statement / accounts / Corporation Tax deadline pages; HMRC tax-adviser ASA / MMTAR; VAT / PAYE employer pages as the same pages; HMRC EIS/SEIS 2026; Start Up Loans apply / product pages (27 Aug 22:55 Market scenarios founder-finance fork — not re-filed as if new); OPBAS; CLSB Costs Lawyer; DBT BPE 2025; ACRA / CGIUKI; Insolvency Act 1986 s.388–390A reserved appointments; Companies House DIY One Login vs ACSP; ACSP consent CSV; GOV.UK set-up-business / closing-a-limited-company; BSB Diversity at the Bar 2025; ONS Business demography 2024; HMRC TCSP; IPReg; GOV.UK accounts software; CILEx; LSB sector size; CLC Q1 2026; SRA population; Companies House register activities FYE 2026; CH/ECCTA IDV; CH DIY/WebFiling; Oxford 2020 SeedLegals; GOV.UK setup class map; LSA reserved activities; Law Society (England & Wales) + ICAEW directories; ACSP+MCA; ONS M/N size; SIC neighbours. Last hour’s SLCC pass was Competitor mapping. Did not retry STEP.org. Did not retry ICB / bookkeepers.org.uk / www.icb.org.uk. Did not retry CIPP / cipp.org.uk. Did not re-open last hour’s SLCC pages as the same pages. Did not re-open 16:55 SSP/SMP, 15:55 CIPP, 13:55 LeO, 12:55 CFA, 11:55 NMW, 10:55 PAYE RTI, or earlier listed sources as the same pages. Did not re-file Start Up Loans apply pages as if they were new. Area: Market discovery. Verdict: stayed thin. P unchanged. ## Searched Prefer Market discovery this hour (last filed 29 Aug 10:55 HMRC/ONS PAYE RTI) after Competitor mapping filled at 17:55 with SLCC. Rotation on 28 Aug was competitor mapping 17:55 → market discovery 18:55. Unused official source: British Business Bank Small Business Finance Markets latest public report/pages at british-business-bank.co.uk — market SIZE of SME finance. Distinct from 27 Aug 22:55 Start Up Loans *product* (that was Market scenarios, a founder-finance fork). Not another Competitor mapping ombudsman fork. Not another Companies in the space membership lane. Not another Risk reduction criminal-offence overlay. Not fall-through to ONS Labour market overview or Companies House incorporations/dissolutions statistical release — BBB primary pages were already HTTP 200. bbb.org.uk / www.bbb.org.uk are not the Bank (parked domain landers); live source is british-business-bank.co.uk. - Homepage: https://www.british-business-bank.co.uk/ — HTTP 200. - About: https://www.british-business-bank.co.uk/about — HTTP 200. - Who we are: https://www.british-business-bank.co.uk/about/who-we-are — HTTP 200. “British Business Bank is the UK’s economic development bank.” Mission: drive economic growth by helping smaller businesses get the finance they need to start, scale and stay in the UK. Mentions supporting over 100,000 entrepreneurs via Start Up Loans (context on this page only — Start Up Loans apply/product pages were not re-filed). In 2025 brought British Business Investments and British Patient Capital under the Bank umbrella. - Named /about/our-mission , /about/what-we-do , /partners , /about/research-and-publications/business-finance-survey , /about/research-and-publications/small-business-finance-markets-report-2026/download , /finance-options/start-ups — HTTP 404. - Research and publications hub: https://www.british-business-bank.co.uk/about/research-and-publications — HTTP 200. Small Business Finance Markets Report 2026 listed (17 March 2026); twelfth edition covering 2025. - Small Business Finance Markets Report 2026 landing: https://www.british-business-bank.co.uk/about/research-and-publications/small-business-finance-markets-report-2026 — HTTP 200. Published 17 March 2026. Annual independent assessment of UK smaller-business funding landscape. Focus: lending change since the Global Financial Crisis; challenger / specialist banks and non-bank debt providers. Key findings printed: (1) lending markets developed over 15 years from high-street dominance to challenger/specialist/non-bank; (2) around half of smaller businesses seek external finance with increased use of flexible forms in 2025; (3) signs of more UK startup activity in the last two years; (4) equity investment declined in 2025 and now stands at 2019 levels; (5) access challenges remain for some under-represented groups and geographic areas. British Business Bank 2025 Business Finance Survey: conducted by Ipsos; surveyed **1,734** smaller businesses between September and December 2025; weighted to UK SME population; covers demand / experiences / awareness / innovation / AI / Industrial Strategy interaction. - Report PDF 2026: https://www.british-business-bank.co.uk/sites/g/files/sovrnj166/files/2026-03/report-small-business-finance-markets-2026.pdf — HTTP 200 (application/pdf, ~13.8 MB). Title on PDF: Small Business Finance Markets 2025/26. “Now in its twelfth year”. Executive summary prints Gross SME bank lending (excluding overdrafts) **£68bn** in 2025, up **9%**; challenger and specialist banks **60%** of UK gross SME bank lending; almost **314,000** business births; finance-option awareness rising from **57%** in 2024 to **62%** in 2025; equity finance declined in 2025 and stands at 2019 levels; AI companies raised two fifths of UK total equity investment in 2025. - SME Finance Survey Report PDF 2026: https://www.british-business-bank.co.uk/sites/g/files/sovrnj166/files/2026-03/sme-finance-survey-report-2026.pdf — HTTP 200 (application/pdf). Fieldwork 19 September 2025 – 12 December 2025; **1,734** SME interviews (635 panel + 1,099 fresh); Ipsos. - Infographic: https://www.british-business-bank.co.uk/about/research-and-publications/small-business-finance-markets-report-2026/infographic — HTTP 200. Printed: Gross SME bank lending increased by **9%** to **£68bn**; **314,000** new business start-ups, up **1%** on 2024 (VAT and PAYE registrations); around **50%** of smaller businesses used external finance in Q3 2025, with credit cards (**19%**), overdrafts (**16%**), and leasing and hire purchase (**12%**) most used; **62%** knew where to obtain information on different types of finance (+5pp vs 2024); Challenger banks accounted for **60%** of gross SME bank lending, up from **39%** in 2012; since 2013, **43%** of the **28** new providers that entered the smaller business banking market are, or have been, British Business Bank delivery partners; AI companies raised **£2.9bn** across **323** equity deals in Q1–Q3 2025 (~two-fifths of total UK equity investment); **71%** of Ethnic Minority-led businesses aim to become significantly larger (vs **40%** White-led) and **52%** are willing to use external finance to grow (vs **35%** White-led). - Press release 17 March 2026: https://www.british-business-bank.co.uk/news-and-events/news/smaller-business-lending-markets-showing-signs-improvement-finds-latest-british-business-bank — HTTP 200. Same core figures; leasing and hire purchase printed as **13%** on this page (infographic prints **12%** — cite each page as printed). Over two thirds (**68%**) of overall SME lending in 2025 from challenger/specialist banks or non-bank lenders. Ethnic Minority-led more likely to anticipate difficulties accessing finance (**51%** vs **36%** White-led). Louis Taylor CEO quote: increasing annual funded commitments to around **£2.5bn** and issuing around **£2.1bn** annually in guarantees after Spending Review. Notes to editors: UK government’s economic development bank; established November 2014; core programmes support **£23bn** of finance to almost **64,000** smaller businesses (as at end March 2025; does not include Start Up Loans); British Business Bank plc company **08616013**; registered office Steel City House, West Street, Sheffield, S1 2GQ; wholly owned by HM Government; not a banking institution. - News index: https://www.british-business-bank.co.uk/news-and-events/news — HTTP 200. - Finance options hub: https://www.british-business-bank.co.uk/finance-options — HTTP 200. - Debt finance: https://www.british-business-bank.co.uk/finance-options/debt-finance — HTTP 200. - Equity finance: https://www.british-business-bank.co.uk/finance-options/equity-finance — HTTP 200. - Business guidance (finance-hub redirect): https://www.british-business-bank.co.uk/business-guidance — HTTP 200 (effective from /finance-hub). - Prior-year report landing 2025: https://www.british-business-bank.co.uk/about/research-and-publications/small-business-finance-markets-report-2025 — HTTP 200 (prior edition context; not treated as this hour’s primary finding). - Prior-year PDF 2024/25: https://www.british-business-bank.co.uk/sites/g/files/sovrnj166/files/2025-02/small-business-finance-market-report-2025.pdf — HTTP 200 (prior edition). - bbb.org.uk / www.bbb.org.uk — not the Bank (domain landers / 429); not cited as live Bank facts. Did not treat “SMEs”, “borrowers”, “Start Up Loans applicants”, or “UK small businesses that need finance” as a FYJ customer. Did not invent a “FYJ for SME finance” product. Did not invent volumes beyond what the 2026 landing / infographic / press / PDF / survey PDF print. Soft-404 / 404 pages are not live facts. No fall-through to ONS Labour market overview or Companies House incorporations/dissolutions statistical release — BBB primary pages were already HTTP 200. Did not retry STEP.org. Did not retry ICB / bookkeepers.org.uk / www.icb.org.uk. Did not retry CIPP / cipp.org.uk. Did not re-open the 29 Aug 17:55 SLCC pages as the same pages. Did not re-open the 29 Aug 16:55 SSP/SMP pages as the same pages. Did not re-open 27 Aug 22:55 Start Up Loans apply/product pages as if they were new. Did not re-open 10:55 PAYE RTI pages as the same pages. ## What stands - British Business Bank Small Business Finance Markets Report 2026 (landing + PDF titled 2025/26) is the twelfth annual independent assessment of UK smaller-business finance markets; published 17 March 2026. HTTP 200 landing / PDF / infographic / press. - Gross SME bank lending (excluding overdrafts) **£68bn** in 2025, up **9%** — second-highest since 2012 after 2020 covid peak (press). Challenger and specialist banks **60%** of that gross lending (up from **39%** in 2012); **68%** of overall SME lending from challenger/specialist or non-bank lenders (press). Since 2013, **28** new providers; **43%** are or have been BBB delivery partners. - Around **50%** of smaller businesses used external finance in Q3 2025; credit cards **19%** / overdrafts **16%** / leasing & hire purchase **12%** on the infographic (**13%** leasing/HP on the press page). Awareness of where to obtain finance information **62%** (+5pp vs 2024; PDF also prints 57%→62%). - **314,000** new business start-ups in 2025, up **1%** on 2024 (VAT and PAYE registrations). Equity investment declined in 2025 to 2019 levels; AI companies **£2.9bn** across **323** deals Q1–Q3 2025 (~two-fifths of UK equity). - 2025 Business Finance Survey: Ipsos; **1,734** SMEs; 19 Sep – 12 Dec 2025; weighted to UK SME population (landing + survey PDF HTTP 200). - Bank identity printed on press notes: established Nov 2014; core programmes **£23bn** finance to almost **64,000** smaller businesses (end March 2025; excludes Start Up Loans); company 08616013; Sheffield registered office; HM Government owned. Who-we-are: UK economic development bank; mission start/scale/stay in the UK. - These sit next to earlier Market discovery filings (PAYE RTI; Self Assessment; Insolvency Service; CT; VAT; R&D; EIS/SEIS; BPE; ONS demography; LSB; CH register; ONS size; SIC) as another finance-market / SME-lending size map — not as a market path. A £68bn lending line or a 314,000 start-ups count is not who FYJ sells to. Not a path. Distinct from 27 Aug 22:55 Start Up Loans product fork (Market scenarios). ## What does not stand - No page names a FYJ customer, market, offer, or P. - “SMEs”, “borrowers”, “Start Up Loans applicants”, or “UK small businesses that need finance” are population / borrower class labels, not a buyer. - A finance-market size report, a lending stock/flow figure, or a survey awareness percentage is not a FYJ market path. - Naming “FYJ for SME finance” or “FYJ for challenger-bank borrowers” is not naming a FYJ customer. - Do not invent volumes beyond the 2026 landing / infographic / press / PDF / survey PDF. Soft-404 / 404 pages are not live content. Named /about/our-mission / /about/what-we-do / /partners / business-finance-survey / report download / finance-options/start-ups paths are HTTP 404. - This is a different official map from the 27 Aug 22:55 Start Up Loans *product* (Market scenarios). This hour is the Small Business Finance Markets size report itself. - SLCC (17:55), SSP/SMP (16:55), CIPP (15:55), LeO (13:55), CFA (12:55), NMW/NLW (11:55), PAYE RTI (10:55), ICB (09:55), Bar of NI (07:55), EL insurance (06:55), IPA (05:55), Self Assessment (04:55), FTPF (03:55), Faculty of Advocates (02:55) remain prior filings. This hour does not re-file those pages. - STEP.org remains HTTP 403 and was not retried. ICB / bookkeepers.org.uk / www.icb.org.uk were not retried. CIPP / cipp.org.uk were not retried. - Tide Platform Ltd remains an ACSP identity check, not a FYJ customer. - Who / why / how / next all missing. No candidate this hour has even a partial who / why / how. End-to-end stays missing. ## End-to-end test - Who it is for: missing. - Why they would pay: missing. - How FYJ reaches them: missing. - What sits next: missing. No real public fact this hour filled any of the four. Do not invent the rest. The BBB Small Business Finance Markets pages fill a Market discovery cell (SME finance market size next to PAYE RTI, Self Assessment, insolvency, CT, VAT, R&D, EIS/SEIS, BPE). They do not fill a path cell. ## Value-forming The Market discovery line stayed thin. Value has not started to form as a FYJ path. A finance-market size report, a £68bn lending line, and a 314,000 start-ups count are not a path. Adjacent population / receipts / insolvency maps still leave who / why / how / next empty. ## Result No path named yet. Market discovery stayed thin. P unchanged. ## Confirmation Contract UUID 26e4abb6-3b66-4a66-a4f7-d4c065ad9233 is live. Hold = no invention, not no recon. Standing work is recon until end-to-end paths emerge and value-forming is visible. No path named. P unchanged. Customer cut parked.