Empowering Financial Decision-making for Growth and Profitability
As the financial year comes to an end, and business starts to pick up, it may be tempting to look to the year ahead, but for SMEs, the weeks before year end can make a significant difference to your tax bill, cash flow and overall financial health.
April 2026 brings major SME changes; wage increases, expanded employee rights, tax reforms, and new reporting rules, requiring businesses to plan cashflow carefully, ensure compliance, and meet key deadlines.
As the financial year comes to an end, and business starts to pick up, it may be tempting to look to the year ahead, but for SMEs, the weeks before year end can make a significant difference to your tax bill, cash flow and overall financial health.
The 2026 Spring Statement provided an economic update rather than introducing major tax changes for SMEs, with the government emphasising stability and revised forecasts instead of new policies. With many SMEs already experiencing rising expenses, the focus remains on careful cash flow management, cost control and forward planning.
Supporting over 380 companies with just over £8.4m in funding, we are dedicated to supporting the hospitality to invest in growth and manage cash flow issues. Find out how we’ve helped the industry.
The Capify Broker Team recently attended the Business Moneyfacts Awards 2026. The event was held in London, and it was a wonderful night full of glitz, glamour and laughter. We were also very proud to be “Highly Commended” in a category too!
Capify’s latest quarterly survey SME business confidence fell further in Q3 2023, with two thirds of owner now worried about cash in bank as inflationary impact bites
SME business confidence in the UK fell slightly in Q2 2023, while concerns over cash reserves and rising costs persist, according to our Business Confidence Survey. The survey revealed that although turnover and profits improved for some SMEs, many were behind their annual targets. Click here to learn more.
The latest quarterly survey has painted a worrying picture for small businesses with cash balances dropping and cash flow presenting major problems. These difficult circumstances have led to a decrease in SME confidence and have left many businesses struggling. In this article we look at the cause for SME concerns.
Our latest quarterly survey finds a small improvement in SME business confidence despite gathering economic headwinds. But the survey also points to operating challenges amidst falling profitability and concerns over rising costs
The collapse of Silicon Valley Bank has raised concerns over contagion in the banking system and fears of another banking crisis. Thankfully, a lot has changed since the great banking collapse of 2008, including innovations in lending that SMEs rely on to support their operations
SMEs face a lot of challenges in the current market and it takes much determination and patience to ensure that they succeed. Below we address three of the biggest challenges you might come across.
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Flexible funding from £10,000 to £3,000,000
No assets required as collateral
Lower rates when backed by business assets
Options available even with a poor credit history
Funds deposited within 24 hours of approval
Repay in 3–12 months with manageable terms
Keep day-to-day operations running smoothly
Bridge gaps between invoicing and payments
Pay suppliers on time and protect relationships
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Combine multiple debts into one manageable repayment
Replace existing finance with better terms
Fund equipment, vehicles and machinery purchases
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Purchase or refinance commercial property
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Comprehensive guides covering every type of business finance available in the UK.
Practical tips and strategies to manage and improve your business cash flow.
Estimate monthly repayments and total costs for different loan amounts and terms.
Answers to the most common questions about business finance and eligibility.
Tailored funding solutions for high-street and online retailers.
Finance options designed for bulk purchasing and distribution businesses.
Funding for pubs, restaurants, hotels, and leisure operators.
Project-based and asset finance for construction and trades firms.
Equipment finance and working capital for UK manufacturers.
Specialist finance for care homes, GP surgeries, and health sector operators.
Quarterly reports tracking SME sentiment, lending trends, and economic outlook.
Actionable insights and case studies to help your business grow faster.
Latest news, expert opinions, and practical advice for UK business owners.
