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Welcome to our
Business Loans Blog

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

  • Advice & tips for SMEs
  • Finance & money management
  • Productivity & mindset
  • and so much more...

Feel free to browse

SME Guides
Capify News
Business Insights
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  • Featured

HMRC Time to Pay for VAT: How It Works and How to Apply 
August 20, 2026
HMRC's Time to Pay scheme can help some businesses spread the cost of a VAT bill, but it's important to understand how the process works and whether it's right for your circumstances. This guide explains the application process, the online self-service option, and the key considerations before applying.
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  • Featured

How to Pay a Large VAT Bill Without Damaging Your Cash Flow: A Guide for UK SMEs 
August 20, 2026
Paying a large VAT bill shouldn't come at the expense of your business's financial stability. This article explores practical ways to preserve working capital, improve cash flow and choose the right payment strategy while keeping your business moving forward.
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  • Featured

Can’t Pay Your VAT Bill? 5 Options for UK Businesses in 2026
August 20, 2026
Struggling to pay a VAT bill doesn't necessarily mean your business is in trouble. This guide explains the practical options available – from improving cash flow and HMRC Time to Pay to business finance.
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  • Featured

SME report suggests alternative finance is overtaking bank loans
July 21, 2026
Capify's Q2 2026 SME Business Confidence Report reveals a sharp shift in how UK businesses fund growth. As access to traditional lending tightens, alternative finance for SMEs — from overdrafts to invoice financing and asset-based lending — is fast overtaking bank loans.
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  • SME Guides

The Health and Care Cash Flow Guide
July 8, 2026
Cash flow is a defining challenge in construction — balancing labour, subcontractors, materials and plant hire against delayed payments and retention clauses. This guide covers the warning signs to watch, practical ways to close the gap between doing the work and getting paid, and how to plan for growth without adding pressure.
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  • SME Guides

SME Construction Cash Flow Guide
July 2, 2026
Cash flow is a defining challenge in construction — balancing labour, subcontractors, materials and plant hire against delayed payments and retention clauses. This guide covers the warning signs to watch, practical ways to close the gap between doing the work and getting paid, and how to plan for growth without adding pressure.
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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

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Strong track record of positive customer reviews
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All Business Loans

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Small Business Loans

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

Unsecured Business Loans

No assets required as collateral

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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

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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.

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