Could do with some advice from anyone in the know before I start bothering HMRC et al. I have 2 guys starting with us at the start of September, one in sales and one as a Contracts Manager. Because we are a relatively new firm I cant offer a lengthy contract so they are signed on for a year with a day rate. One has his own Ltd Company and will be invoicing me direct, all checked out, insured correctly and he is legit. The other chap discussed this with the Ltd Company owner, went online and submitted an application, recieved his Ltd Company details, undertook the neccesary insurance, sent all the details to us and we are happy. Buuuuuut! He has been knocked back by most main banks for a business account as his credit as abysmal, usual tale, divorced, bird took the lot ect. I havent really operated this way before and guys have either been on strength fully or its been a bit of cash in hand, something that I'm not prepared to do anymore now I'm a grown up So what can he do? I've been told I cant be invoiced by his 'firm' and then pay him personally, would it be worth him starting from scratch and coming back to me as registered self employed? Someone suggested he use an Umbrella Company but I wouldnt advise him to do that based on a bit of internet research. In essence I want to get him sorted as he comes across as the dogs bollocks but I need to keep everything above board. Any input appreciated..