The Capzy blog
Straight answers on business finance: schemes, tax bills, lenders and how funding works in your industry.
HMRC Time to Pay: how a payment plan works and how to ask for one
How HMRC’s instalment plan works, what it costs and how it compares with borrowing to pay the bill.
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Can you get a Growth Guarantee Scheme loan if you still have a Bounce Back Loan?
How a Bounce Back Loan, CBILS facility or Recovery Loan affects an application under the Growth Guarantee Scheme.
How to compare business loan lenders: what to check beyond the rate
The types of UK business lender, how each prices its lending, and a checklist for reading an offer.
Haulage business loans: how hauliers fund trucks, fuel and slow-paying customers
Which finance fits trucks, fuel and slow-paying customers, and how lenders assess a haulier.
What is a debenture? How lenders take security over a company
How a lender takes security over a company’s assets: fixed and floating charges, registration at Companies House and ranking in insolvency.
Personal guarantees for business loans: what a director is signing
What a director takes on by guaranteeing a business loan: the assets at risk, the limits of regulation and the questions to ask first.
What is hire purchase? How it works for business vehicles and equipment
How a business buys vehicles and equipment over time: ownership, hire purchase against leasing, regulation and tax points.
Government schemes for business funding
What the Growth Guarantee Scheme and its predecessors mean for a business borrowing today.
Can you get a Growth Guarantee Scheme loan if you still have a Bounce Back Loan?
How a Bounce Back Loan, CBILS facility or Recovery Loan affects an application under the Growth Guarantee Scheme.
Start up business loans: the government scheme and what else a new business can do
What the government Start Up Loans scheme offers, who can apply, and what else a new business can use while it builds a trading record.
Small business grants: where to look and how they differ from loans
Where UK businesses find grants, the conditions they carry, how they differ from loans and what to do while you wait or if you are not eligible.
Tax bills and cash flow
VAT, Corporation Tax and HMRC payment plans, and how to keep cash moving around them.
HMRC Time to Pay: how a payment plan works and how to ask for one
How HMRC’s instalment plan works, what it costs and how it compares with borrowing to pay the bill.
How to pay Corporation Tax: deadlines, payment methods and your reference
The deadline, the payment methods HMRC accepts and how long each takes, the reference to use and what to do if you cannot pay.
How to pay a VAT bill: deadlines, payment methods and what late payment costs
The VAT payment deadline, the methods HMRC accepts and how long each takes, and what happens if the payment is late.
Lenders compared
How UK business lenders differ, and how to compare offers on more than the headline rate.
How to compare business loan lenders: what to check beyond the rate
The types of UK business lender, how each prices its lending, and a checklist for reading an offer.
Business loans with bad credit: what lenders look at and what you can do
What a credit file shows, what lenders weigh beside the score, the routes that rely on assets or sales, and when borrowing is the wrong answer.
Acquisition finance: funding the purchase of another business
How buyers fund the purchase of another business, what lenders assess in the target and the costs that sit on top of the price.
Funding guides by industry
How funding works in practice for hauliers, agencies and other sectors with their own cash-flow pattern.
Haulage business loans: how hauliers fund trucks, fuel and slow-paying customers
Which finance fits trucks, fuel and slow-paying customers, and how lenders assess a haulier.
Care home finance: how purchases and expansion are funded
How care home purchases, extensions and refits are funded, what regulation means for the plan and where the risks sit.
Farm and agricultural finance: the options
How UK farms fund land, machinery and seasonal cash flow, how grants differ from loans, and how to match each need to a product.
Business finance explained
The terms in a loan offer, in plain English: security, guarantees, hire purchase and working capital.
What is a debenture? How lenders take security over a company
How a lender takes security over a company’s assets: fixed and floating charges, registration at Companies House and ranking in insolvency.
Personal guarantees for business loans: what a director is signing
What a director takes on by guaranteeing a business loan: the assets at risk, the limits of regulation and the questions to ask first.
What is hire purchase? How it works for business vehicles and equipment
How a business buys vehicles and equipment over time: ownership, hire purchase against leasing, regulation and tax points.
Types of business finance
Each kind of business funding explained: how it works, what it is secured on and who it suits.
Secured business loans: what you can borrow against
What you can use as security for a business loan, how a charge works, what is at risk and how secured compares with unsecured.
Angel investment: how it works and what investors expect
How angel investment works for founders, what angels expect in return for their shares, and how it differs from a loan.
Auction finance: funding a property bought at auction
How short-term auction finance works, what to arrange before you bid, the taxes to expect and the risks of missing completion.
Running a business: tax, accounts and admin
The practical side of running a UK business: registering, filing, paying yourself and staying on top of tax.
Business rates explained, and the reliefs you can claim
How rateable value and the multiplier set your business rates bill in England, the 2026 revaluation and the reliefs that can reduce it.
Capital allowances: the Annual Investment Allowance and full expensing
How the Annual Investment Allowance, full expensing and the 40% first-year allowance work, what qualifies and how they sit alongside business finance.
Confirmation statements: what they are and when to file
What a confirmation statement is, the review period and deadline, the filing fee, what you need before you file and the penalty for missing it.
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