The Capzy team
Business finance brokers
Capzy is a UK business-finance broker. We help businesses compare funding across lenders, so our guides are written from the broker’s side of the desk: how the products work, what lenders ask for and where the catches are.
Capzy is a credit broker, not a lender, and we get paid by the lender. We say so on every page, because it is a reason to read us critically as well as a reason we know the market.
How we write and check our guides
Official sources first
Scheme rules, tax deadlines and rates come from the British Business Bank, GOV.UK and HMRC. Every page lists its sources at the foot so you can check them.
Lenders in their own words
A lender profile uses only what the lender publishes itself, shows the date we last checked it and carries no ratings.
Dated and corrected
Each page shows when it was published or last updated. Rules change: if you spot something out of date, email us and we will check it.
Information, not advice
Our guides explain how things work. They are not financial, tax or legal advice, and finance is always subject to status and lender criteria.
Spotted something that needs correcting?
Tell us which page and what has changed. We check it against the source and update the page.
Latest from the Capzy team
The newest of 218 pages. Browse everything in the blog, the finance guides and the lender directory.
Growth Guarantee Scheme
How the 70% guarantee to the lender works, the limits in Great Britain and Northern Ireland, and who can apply.
Government-backed business loans
Which government-backed schemes and funds are open, which have closed, and what the backing means for the borrower.
Bounce Back Loans
The scheme is closed, but the loans are not. Repayment options, what to do if you are struggling, and borrowing again.
Recovery Loan Scheme and CBILS
Both schemes are closed. What replaced them, and what an existing facility means for borrowing today.
VAT loans
Spread a VAT bill over monthly payments, and see how a loan compares with HMRC Time to Pay.
Corporation Tax loans
Spread a Corporation Tax bill over monthly payments, with the deadlines and HMRC’s late charges explained.
Unsecured business loans
Borrow without pledging a business asset: how unsecured loans work, what lenders look at and why a personal guarantee still matters.
Asset finance
Fund vehicles, machinery and equipment with hire purchase, leasing or refinance: how each works, what it costs and the risks.
Invoice finance
Release cash from unpaid invoices: how factoring and invoice discounting work, what you pay for and what to check in the contract.
Merchant cash advance
Funding repaid as a share of card sales: how a merchant cash advance works, how the cost is set and when another product fits better.
Commercial mortgages
Long-term finance secured on business property: the types, what lenders look at, the costs beyond the deposit and the risks.
Bridging loans
Short-term secured finance to cover a gap until a sale or refinance: how it works, the costs, the risks and the alternatives.
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