Finance Solutions for

Clients Recruiters Contractors

  • Umbrella Company

    Carter Bond simplifies contracting by handling payroll, taxes, and compliance. We ensure on-time payments, same-day setup, and no hidden fees. Enjoy statutory benefits like sick pay and pension, while focusing on your work without administrative hassle. Flexible, stress-free, and fully compliant: ideal for contractors and freelancers.

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    Umbrella Company

  • CIS

    Our Construction Industry Scheme payroll service is tailored to help recruiters manage self-employed subcontractors with ease and compliance. We handle all key responsibilities, including verifying subcontractor status, calculating and deducting the correct tax, and submitting monthly returns to HMRC. This ensures your candidates are paid accurately and on time, while keeping your agency fully compliant with CIS regulations. It's a hassle-free solution that lets you focus on placing skilled workers, while we take care of the admin.

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    CIS

  • Operations Support

    Our back office support service takes care of essential tasks like invoicing, data entry, and compliance, so you don’t have to. We help clients and contractors stay organised, accurate, and on top of their admin, allowing you to focus on growing your business or delivering your work. Whether it’s managing paperwork or ensuring everything runs smoothly behind the scenes, our support is reliable, efficient, and tailored to your needs.

    Operations Support

  • Employment Eligibility Checks

    Our candidate screening service ensures that all necessary checks—such as right to work, ID verification, and employment history—are completed quickly and accurately. We help you stay compliant with legal requirements while giving you confidence in the people you hire. Whether you're a client needing to onboard workers or a contractor looking to get started smoothly, our streamlined screening process makes things simple, secure, and stress-free.

    Employment Eligibility Checks

Why

Umbrella Companies

make sense.

Easy Set Up

Setup is fast and hassle-free, with same-day registration, no hidden fees, and no exit costs. Just submit your timesheets, we do the rest. Stay in control without the admin burden of running a limited company. Simple, compliant, and stress-free.

Free Up Time

With the admin, paperwork, and financial management handled for you, umbrella employment frees up your time. This reduces stress and lifts the burden, allowing you to focus on what matters—your work. The result? More time to improve your performance and deliver better results.

Help Contractors Get Started

Umbrella employment is a great way to ease into contracting. With job security and easy setup, you can avoid the stress of managing taxes and finances. You’ll get paid on time, every time, allowing you to focus on building your career with confidence.

Complete Solution

Our umbrella solution takes care of everything, your finances, tax compliance, and payroll, so you can focus on your work. We handle PAYE and National Insurance contributions, ensuring you’re paid correctly and on time, with no surprise tax bills.

Less Stress, More Focus

No tax returns. No chasing invoices. No paperwork. Just focus on your work, we handle the rest. We deduct and pay your tax and National Insurance directly to HMRC, keeping you fully compliant. With multiple daily payroll runs, you’re paid on time, every time—giving you a reliable, stress-free income. And if you ever have questions, our expert team is here to help.

Why

Umbrella Companies

make sense.

Easy Set Up

Setup is fast and hassle-free, with same-day registration, no hidden fees, and no exit costs. Just submit your timesheets, we do the rest. Stay in control without the admin burden of running a limited company. Simple, compliant, and stress-free.

Free Up Time

With the admin, paperwork, and financial management handled for you, umbrella employment frees up your time. This reduces stress and lifts the burden, allowing you to focus on what matters—your work. The result? More time to improve your performance and deliver better results.

Help Contractors Get Started

Umbrella employment is a great way to ease into contracting. With job security and easy setup, you can avoid the stress of managing taxes and finances. You’ll get paid on time, every time, allowing you to focus on building your career with confidence.

Complete Solution

Our umbrella solution takes care of everything, your finances, tax compliance, and payroll, so you can focus on your work. We handle PAYE and National Insurance contributions, ensuring you’re paid correctly and on time, with no surprise tax bills.

Less Stress, More Focus

No tax returns. No chasing invoices. No paperwork. Just focus on your work, we handle the rest. We deduct and pay your tax and National Insurance directly to HMRC, keeping you fully compliant. With multiple daily payroll runs, you’re paid on time, every time—giving you a reliable, stress-free income. And if you ever have questions, our expert team is here to help.

CIS for the Sole Trader.

We help self-employed sole traders register for CIS, manage gross payments, and ensure correct tax deductions at source. To keep everything compliant, we conduct thorough Supervision, Direction, and Control (SDC) assessments for each assignment, so you can be confident that your income is taxed correctly. We also offer support in completing your Self-Assessment Tax Return (SATR).

What is CIS?

The Construction Industry Scheme (CIS) is an HMRC initiative designed to prevent tax evasion in the construction sector. With a high number of mobile, self-employed workers, a specific system was needed to ensure tax compliance.

CIS applies to payments made by contractors to subcontractors under a construction contract but does not apply to employees. Non-compliance can lead to significant fines and penalties.

When does CIS apply?

CIS covers most construction-related activities in the UK, including work on buildings, structures, civil engineering projects, and installations—whether permanent or temporary. This includes groundwork, construction, alteration, repair, extension, demolition, and dismantling. Even tasks like interior cleaning, fencing, and landscaping during the construction phase fall under CIS, though they don’t apply once the project is completed.

What work is not covered by CIS?

Not all construction-related projects fall under CIS. Some key exclusions include:

  • Shipbuilding – While it involves many construction skills, ships are classified as vehicles and are not covered by CIS.

  • Certain Installations:

    • Covered by CIS: Heating and air-conditioning systems in a new building.

    • Not Covered by CIS: IT or security systems installed as part of a fit-out process.

  • Professional Services – The work of architects, quantity surveyors, and consultants in building, engineering, decoration, or landscaping is excluded—unless they are directly involved in managing or executing construction work.

  • Support Services – Activities that support construction but are not construction work itself, such as:

    • Operating a canteen, hostel, or medical and safety services on-site.

    • Providing security services.

    • Delivering road-making or building materials

Are there penalties related to CIS?

HMRC enforces strict penalties for non-compliance with the Construction Industry Scheme (CIS). Contractors must:

  • Maintain accurate records of payments, deductions, and subcontractor verification.
  • Submit CIS returns on time to avoid fines.
  • Pay CIS tax deductions promptly to HMRC.

To find out more about CIS non-compliance penalties, get in touch.

Get in touch

For any enquiries or to explore your vision further, we invite you to contact our professional team.

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