Track director's loan account exposure for UK solo limited companies

Jamie is thirty-eight, a freelance data engineer from Guildford who incorporated Pevensey Data Ltd in 2021 because his enterprise clients refused to pay a sole trader. He runs it from a spare bedroom, draws a small director's salary, and tops it up with quarterly dividends when his accountant tells him there's profit to distribute. In between, when his boiler died in November or his car needed a clutch in March, he transferred money out of the company account thinking of it as "his money anyway, I'll square it up at year end." His accountant only sees the books once a year, in January, four months after the year-end. By the time Jamie hears the word "s.455" his loan account is eleven thousand pounds overdrawn, the 9-month-and-1-day deadline passed three weeks ago, and at the new 35.75% rate his company owes HMRC just under four grand in deposit tax he will not get back for at least eighteen months.

Then he finds DLAGuard. He connects his Xero account in two clicks. The dashboard is green. It says: balance £4,800, year-end 31 March, s.455 trigger 1 January next year, current exposure if not cleared £1,716. Three months out it starts emailing him. Six weeks out it texts him. It drafts the dividend resolution and the journal entry for him to send his accountant. The next year-end he is at zero, smiling, and the four grand stays in the company.