On the first tier of Christmas, our PM gave to us...
...One extended lockdown and a confusing bubble system!
Whilst the new tier system may not have been quite what we were hoping for, Christmas is
just around the corner and with a vaccine finally in our sights, there are even more grounds for
celebration, much like waiting for a late bus we now have 3 all at once! With the
government has bought 300 million vaccines for the UK and territories, could this spell
and end to the pandemic by Q2 next year.

So, what’s changed?

Tier one (medium) rules
Areas in the lowest tier will have some restrictions relaxed:
  • The rule of six will apply indoors and outdoors
  • Spectator sports can resume with a crowd of 50% of capacity, or 4,000 spectators, whichever is smaller

Tier two (high) rules
  • In tier two you can't socialise indoors with anyone you do not live with, or who is not in your support bubble
  • You can meet in a group of up to six outside - including in a garden, or a public place
  • Shops, gyms and personal care services (such as hairdressing) can reopen (if Covid- secure)
  • Pubs and bars can only open if they serve substantial meals. Alcohol can be served with that meal
  • Pubs and restaurants must shut at 23:00 GMT, with last orders at 22:00 GMT
  • Sports can resume with up to 2,000 spectators, or 50% capacity (whichever is smaller)
  • Collective worship, weddings and outdoor sports can resume (with restrictions)
  • Non-essential foreign travel allowed, subject to quarantine rules
  • People are advised not to travel to and from tier three areas
Tier three (very high) rules
Additional restrictions apply:
  • You can't mix with anybody you do not live with, or who is not in your support bubble, indoors, or in private gardens and pub gardens
  • You can meet in a group of up to six in other outdoor spaces, such as parks, beaches or countryside
  • ​Shops, gyms and personal care services (such as hairdressing) can reopen (if Covid- secure)
  • Hospitality venues - such as bars, pubs, cafes and restaurants must stay closed, except for delivery and takeaway services
  • Spectator sports cannot resume
  • Indoor entertainment venues - such as bowling alleys and cinemas - must stay closed
  • People are advised not to travel to and from tier three areas
Last Chance to Fund the Dream!

The two headline Loan Schemes (BBLS & CBILS) the government introduced earlier in the
year are drawing to a close 31st January 2020. If you have taken advice from previous
Newsletters and created a cash flow forecast for the coming year and have projected a
shortfall now’s the time to apply.

Businesses are unlikely to ever receive such favourable loan terms as are available now. We
are asking each of our partners to consider if they need extra capital to:
  • Refinance existing debt into one loan payment – other bank loans, reducing overdraft facility, asset/equipment/vehicle finance, or paying outstanding supplier debt

As well as supporting businesses through difficult times these loans are designed to ensure
you’re able to ‘Bounce Back’ to your standard business operations, or even better improve
upon them. It’s also worth considering if a portion of these loans could be invested to
develop your business:
  • Bolster Marketing Strategy
    • Social Media campaigns
    • Website development
    • Client Promotions
    • Video content
  • New Equipment
    • Machinery
    • Vehicles
    • Office suppliers

With a 12 month payment and interest-free period you 1 year for your investment to come
to fruition before paying back the loan.

At the very least we would implore you to consider your upcoming payments to HMRC,
especially if you have taken advantage of the various deferrals available this year.
D&T are offering tailored support creating cashflow forecasts and structuring any new
finance agreement. Please contact our office for more details.

If you have any questions or would like to apply for one of the new loans, have a chat with our
Funding Specialist – Phil Archer
Christmas Jumper Day!

Each year d&t support the charity ‘Save the Children’ by hosting a Christmas jumper day in our office. This year as we’re all working from home, we’re extending ‘our office’ out to each of our Partners home offices too!
If you would like to join us by donating to our funding page and sending us your lovely Christmas jumper photos, please feel free to donate to our Save the Children Funding Page

We’re going to post pictures of our team working from home in their Christmas jumpers over the coming weeks. We would love for you to share yours with us so that we can post them on our Instagram page.

Please send your photos to marketing@team-dt.com.
D&T Articles
We support many franchise and small businesses publishing specialist content each month. Here are the links to some of our more recent ones. They are great fountains of knowledge and well worth the read!
What should I consider when it comes to funding my franchise?
Read More
Innovate and Win
Read More
Be Brexit Ready
Read More
Where's James?
Read all about it!
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