MAKE THE MOST OF YOUR NIGHT VISION

We’ve all woken up in the night with work on our mind, and for many of us it’s a pain – but for some it might just be a money maker.

Barclays research among small business owners found more than half had lightbulb moments in bed – with 2.33am being the prime time for new ideas.

For small business owners wanting to make their twilight concepts a reality, fast access to finance is essential. In a high street banking first, Barclays has launched £100,000 unsecured lending for small firms on its app and online banking platform – with the money possibly their account within 24 hours. If you are looking to start or grow your business, follow these tips to help with the creative process.

■ Don’t be tied to the 9-5 As your own boss you should work when you’re most productive. Creativity can come at the strangest times of day. Try using different workspaces too – changing your environment can help alter your mindset.

■ Capture your creativity Just like any other skill, creativity can be learnt, honed and improved. It’s as much about hard work and perseverance as natural ability. Open your mind to as much information, imagery and inspiration as possible to make the best of it. ■ Know your audience Developing new products will be most successful when you know your customers’ needs. Test any new product ideas stringently. Make a prototype and test it with customers – note what they’d change and what would make them buy it.

■ Know your finance options There are lots of different options for small businesses looking for money. Contact your bank to find out what you might qualify for, and how it can help support you in turning lightbulb moments into a reality.