No connections. Just tools. Just work.
Everything a young coach from a low-income area needs to build a real business — pricing, tax, funding, programmes, clients. Free. One place. Built for where you’re starting from.
Section 1 — Start here
Start here
Brand new to all this? Begin with the basics, then pick your business structure.
Hub overview
See the lay of the land before you dive in.
Open tool →Startup checklist
The exact steps to turn 'I train people' into 'I run a business'.
Open tool →Pick your structure
Sole trader, Ltd or CIC — we’ll show you the differences in plain English.
Open tool →QuizNot sure where to start? Take the 3-question quiz
“I don’t know where to start”
Answer 3 questions and we’ll tell you exactly which tools to use first.
Sole Trader · Ltd · CICPick your business structure
Pick your structure
You only need one. Pick the one that matches where you’re at right now — you can change later.
Sole Trader
Just me, getting started
Register in a day. No paperwork nightmare. Perfect if you’re doing 1:1 sessions and want to get paid properly.
Start the checklistLimited Company
Growing fast, saving tax
When you’re earning decent money and want to keep more of it. Not for day one.
See if Ltd fitsCIC
I want to help my community AND get paid
Unlock grant funding and NHS contracts. The structure for coaches who want to work with young people, probation, or social prescribing.
Explore CICSection 2 — Money
Money
What you charge, what you keep, what you can claim — and the funding most coaches never hear about.
What should you actually be charging?
Most PTs underprice by 30%. This calculator shows your real number.
Open tool →How much do you keep, how much goes to HMRC?
See your tax bill before it arrives — no surprises in January.
Open tool →Track every penny — free tools that do the hard work
Bookkeeping that takes 5 minutes a week, not 5 hours a month.
Open tool →Free money you didn’t know existed
Grants, funding pots and the Grant Expert AI to help you apply.
Open tool →Ask anything about money — no jargon, no judgment
The Finance Coach AI answers questions a real adviser would charge for.
Open tool →8 income streams most PTs never hear about
1:1 and online are the obvious 2. Here are the other 6 — NHS, YOTs, schools, corporate, gym partnerships, group sessions.
Open tool →Section 3 — Clients & delivery
Clients & delivery
Once people are paying you, keep them — and prove your work to funders later.
Keep track of every client
Sessions, payments, progress — all in one place, free.
Open tool →Log sessions. Build your evidence base.
Funders and commissioners need numbers. This builds them automatically.
Open tool →Build programmes in seconds
For any client, any goal, any kit — even if all they have is a park bench.
Open tool →Everything a new client signs before session one
PAR-Q, terms, photo consent — done properly, in minutes.
Open tool →Gamified workouts for your clients
Client-facing challenge tools — no equipment, work offline.
MEM Training Hub
Access the full MEM Training Hub — Games Room, Workout Library, Nutrition and Plan Builder.
Open the Training Hub →The complete guide
Self-employment as a PT in the UK
Eight focused guides covering everything you need to start, price, protect and grow a personal training business.
Pricing
What should I charge as a PT in London?
The honest London rate card — gym floor, mobile, online — and a calculator that does the maths.
Read guideCompliance
PT insurance — what you actually need
Public liability, professional indemnity and the policies that genuinely matter.
Read guideHMRC
Tax as a self-employed PT — complete guide
Self Assessment, NICs, expenses you can actually claim, and how to put the right % aside.
Read guideStructure
Should I go Ltd or sole trader as a PT?
Plain-English comparison with the actual income point where Ltd starts to pay.
Read guideClients
How to get your first 5 PT clients
A 30-day playbook for coaches with no following, no budget and no inherited list.
Read guideVenues
Gym rental for PTs — London rates 2026
What gyms charge in 2026, how rev-share deals really work, and how to negotiate yours.
Read guideTemplates
PT client contracts — free templates
Cancellation, late-fee, par-Q and consent — what every contract needs and what to skip.
Read guideBenefits
Universal Credit and self-employment — what PTs need to know
Minimum Income Floor, the Start Up period, and how to report PT income each month.
Read guide
Section 4 — Opportunities
Opportunities
Paid work most PTs never apply for — because no one told them it existed.
NHS work
Social prescribing, PCN partnerships, structured exercise referral.
Open tool →Coaching at-risk young people
YOTs, PRUs, diversion programmes — your background is an asset here.
Open tool →Funding board
Live grant opportunities you can apply for this month.
Open tool →Community board
Paid opportunities, venues and partnerships — surfaced through Funding for now.
Open tool →Section 5 — Documents & knowledge
Documents & knowledge
The paperwork that gets you taken seriously — and answers to the awkward questions.
Write a plan funders will actually read
Business plan builder with prompts written for community coaches.
Open tool →Knowledge hub
HMRC deadlines, jargon explained, guides you can read on the bus.
Open tool →Universal Credit & PT income — explained
Yes it affects UC. Here’s how to report it without getting sanctioned.
Open tool →Business loans with no credit history
Start Up Loans: government-backed, £500–£25k at 6%, available to under-25s.
Open tool →Do I actually need a website?
No, not at first. WhatsApp Business + a one-pager beats a half-built site.
Open tool →Just do it.
Still stuck?
Start the quiz.
3 questions. 60 seconds. One clear answer for what to do today.
Take the quiz