Welcome to our
SME Blog

The new Chancellor has made an upbeat speech and Capify’s latest research offers some evidence of growing SME optimism – but also shows that uncertainty, rising costs and increasingly difficult access to finance are holding many businesses back. Here are five ways Government could help SMEs turn cautious optimism into growth.

Should you arrange a Time to Pay agreement with HMRC or use business finance to cover your VAT bill? This guide compares both options, explaining the advantages, considerations and how to decide which solution best supports your business and cash flow.

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.

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.

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.

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.