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Setting up a business involves complying with a range of legal requirements. Find out which ones apply to you and your new enterprise.

Every business needs to be aware of its obligations under minimum wage and equal pay laws, as well as recent pensions auto-enrolment changes.

What particular regulations do specific types of business (such as a hotel, or a printer, or a taxi firm) need to follow? We explain some of the key legal issues to consider for 200 types of business.

While poor governance can bring serious legal consequences, the law can also protect business owners and managers and help to prevent conflict.

You must comply with legal restrictions on employees' working hours and time off, or risk claims, enforcement action and even prosecution.

The right employment policies are an essential part of effective staff management. Make sure any policy is clear and well communicated to employees.

Whether you want to raise finance, join forces with someone else, buy or sell a business, it pays to be aware of the legal implications.

While sick employees need to be treated fairly, you need to ensure that 'sickness' is not being used as cover for unauthorised absence.

Marketing matters. Marketing drives sales for businesses of all sizes by ensuring that customers think of their brand when they want to buy.

Most pregnant employees are entitled to maternity leave and maternity pay, while new fathers are entitled to paternity leave and paternity pay.

Commercial disputes can prove time-consuming, stressful and expensive, but having robust legal agreements can help to prevent them from occurring.

As well as undermining morale, illegal discrimination can lead to workplace grievances. Employee discrimination is covered by the Equality Act 2010.

Whether your business owns or rents premises, your legal liabilities can be substantial. Commercial property law is complex, but you can avoid common pitfalls.

Home, remote and lone workers are becoming increasingly commonplace. Key issues include communication and how to manage and motivate people remotely.

With information and sound advice, living up to your legal responsibilities to safeguard your employees, customers and visitors need not be difficult or costly.

The right approach to consulting with and providing information to your employees can improve employee motivation and performance.

As information technology continues to evolve, legislation must also change. It affects everything from data protection and online selling to internet policies for employees.

Disciplinary and grievance issues can be a major burden to employers. Putting in place and following the right procedures is essential.

Following the right dismissal and redundancy procedures helps protect your business and minimise the risk of a legal dispute at tribunal.

Intellectual property (IP) isn't solely relevant to larger businesses or those involved in developing innovative new products: all products have IP.

Employment tribunal claims are a worrying prospect for any employer. A tribunal case is a no-win situation – even if the claim is unjustified.

Knowing how and when you plan to sell or relinquish control of your business can help you to make better decisions and achieve the best possible outcome.

From bereavement, wills, inheritance, separation and divorce to selling a house, personal injury and traffic offences, learn more about your personal legal rights.

HSBC sets up £8 billion loan fund for UK SMEs

15 May 2015

HSBC sets up £8 billion loan fund for UK SMEsHSBC has set up a new national fund worth £8 billion aimed at start-ups and established small firms.

This new lending provision will be allocated in 43 local tranches across the country, including London (£2.1bn); Manchester (£400m); Birmingham (£400m); Liverpool and Cheshire (£150m); Scotland (£400m); Bristol and Bath (£150m); and Kent and the Thames Gateway (£150m).

The fund will be available to HSBC clients as well as customers who aren't registered with the bank.

In addition to the fund, a loan promotion will waive arrangement and security fees on all business loans worth between £1,000 and £300,000 until 31 July of this year.

Ian Stuart, HSBC's head of UK commercial banking, said the package was designed to underline the bank's commitment to all smaller firms in the UK, not just those with international operations. "We're hugely proud of our unique international network, but too often we've heard smaller, domestic businesses ask whether we are as committed to them as we are to big global firms.

"I want to show UK businesses that we are right behind them, whatever the size of their ambitions. We currently approve more than 85% of lending applications, and our net lending to business is up in 2015 – but we want to do even more. Our £8 billion fund is an aspiration, not a limit, and waiving fees from our business loans could save the average firm hundreds of pounds."

Speaking to the Daily Telegraph, Stuart said: "We want to make it as simple as we can for businesses to take their next step and that's why we've taken out fees and charges. It's open to any business, although we're always keen to help out firms that manufacture here, as it's important to the UK economy."

One million SMEs currently bank with HSBC. It is now offering 18 months of fee-free business banking for start-ups and 12 months for existing SMEs who switch banks.

The bank is also holding more than 300 workshops aimed at supporting 10,000 start-ups and SMEs that are looking to grow.

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