Welcome to our
SME Blog

Helpful SME finance insights, articles and resources covering a range of topics:

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Agriculture Trends for 2023

October 19, 2023
Discover the Five Pivotal Trends Reshaping the UK Agricultural Sector and How Capify Can Help You Navigate Them. From volatile input costs to a seismic shift in consumer habits, uncover the challenges and opportunities awaiting SMEs in agriculture. Learn more now!

7 Steps to make your SME more sustainable

October 11, 2023
Unlock the untapped potential of sustainability for your business. Learn how going green isn't just good for the planet—it's a game-changer for attracting top talent, winning customers, and securing investment. Even small steps can yield big rewards for SMEs. Read now to transform your business strategy.

Challenges and opportunities in care homes sector

October 11, 2023
Discover why the UK's rapidly ageing population is putting unprecedented pressure on the care home sector. Learn about the looming challenges of staffing shortages and escalating costs that could reshape the industry.

How to buy better: procurement tips for SMEs

September 13, 2023
Buying better is a delicate balance of art and science. So how can SMEs make the most of procurement processes and practices to maximise the impact to the business?

Regional Profile: North West

September 13, 2023
Heartland of the Industrial Revolution and home to some of the country's most beautiful landscapes, the North West of England is a varied regional area.

How to master sales for SMEs

August 1, 2023
Sales are the lifeblood of any business and devising a sales strategy is essential to ensuring you are selling to the right people at the right price and in the right way. Our 10 step guide will help SMEs ensure their sales strategy is optimised to realise the business’ growth objectives.
Why SMEs Choose Capify

Trusted Cash Flow Support for UK Businesses

We’ve been supporting UK SMEs for years with funding and tools that make cash flow management easier.
Businesses choose Capify because:

Funding available from £10,000

Simple, fast application

Dedicated UK-based account manager

Quick decisions and fast funding

Start your quick eligibility check
Strong track record of positive customer reviews

All Business Loans

Browse and compare every loan product we offer

Small Business Loans

Flexible funding from £10,000 to £3,000,000

Unsecured Business Loans

No assets required as collateral

Secured Business Loans

Lower rates when backed by business assets

Bad Credit Business Loans

Options available even with a poor credit history

Fast/Same-Day Business Loans

Funds deposited within 24 hours of approval

Short-Term Business Loans

Repay in 3–12 months with manageable terms

Working Capital Loans

Keep day-to-day operations running smoothly

Cash Flow Loans

Bridge gaps between invoicing and payments

Supplier Invoice Payments

Pay suppliers on time and protect relationships

VAT Finance

Spread the cost of your VAT bill over monthly payments

Managing Existing Borrowing

Debt Consolidation

Combine multiple debts into one manageable repayment

Debt Refinancing

Replace existing finance with better terms

Asset Finance

Fund equipment, vehicles and machinery purchases

Bridging Loans

Short-term property finance while you arrange long-term funding

Commercial Mortgages

Purchase or refinance commercial property

Help Me Choose

Compare All Business Finance

Side-by-side comparison of every finance option

Eligibility Criteria

Understand what we look for before you apply

Loan Calculator

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How It Works

Our simple application process explained

Finance Info Hub

Comprehensive guides covering every type of business finance available in the UK.

Cash Flow Hub

Practical tips and strategies to manage and improve your business cash flow.

Loan Calculator

Estimate monthly repayments and total costs for different loan amounts and terms.

FAQs

Answers to the most common questions about business finance and eligibility.

Retail Business Finance

Tailored funding solutions for high-street and online retailers.

Wholesale Business Finance

Finance options designed for bulk purchasing and distribution businesses.

Hospitality Business Finance

Funding for pubs, restaurants, hotels, and leisure operators.

Construction Business Finance

Project-based and asset finance for construction and trades firms.

Manufacturing Business Finance

Equipment finance and working capital for UK manufacturers.

Health and Care Homes Finance

Specialist finance for care homes, GP surgeries, and health sector operators.

Confidence Reports

Quarterly reports tracking SME sentiment, lending trends, and economic outlook.

Business Booster Hub

Actionable insights and case studies to help your business grow faster.

Blog

Latest news, expert opinions, and practical advice for UK business owners.