Business finance guides
How the main UK schemes and funding options work, what they cost you in practice, and who they suit. Written by a broker, checked against the official sources.
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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Business lenders compared
What each lender funds, how much and how you repay, in the lender's own published terms. One application through Capzy reaches the lenders that fit.
Business loans in Northern Ireland
What funding is open to Northern Ireland businesses, and where the rules differ from Great Britain.
The Capzy blog
Straight answers on business finance: schemes, tax bills, lenders and how funding works in your industry.
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