Welcome to our
Business Loans Blog

Don’t let tax arrears stall your funding. Learn how to manage HMRC debt, restore lender confidence, and protect your business’s reputation and cash flow.

Master your VAT: 6 tips for SMEs to manage cash flow, use digital tools, and bridge timing gaps with strategic finance. Read more to stay in control.

Don’t let compliance costs stall your momentum. As SMEs scale, one-off regulatory fees can squeeze even the healthiest cash flow. Learn how to forecast these growth triggers and manage the timing of professional fees to keep your business resilient.

Chancellor Rachel Reeves’ second Budget delivers critical updates for UK SMEs. Key changes include a 2% increase in dividend tax rates from April 2026 and an extended freeze on income tax thresholds until 2031. We’ve cut through the noise to identify the five biggest announcements impacting your business planning and cash flow.

A growing number of business owners are being kept awake at night by worries over cash flow. In Capify’s Q1 2022 Confidence Survey, 37% of respondents cited cash flow as a major concern (up 14pp from 23% in Q4 2021). Whilst a further 13% were concerned specifically about non-payment of invoices.