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Home » Business Insights

Category: Business Insights

6 ways SMEs can get to grips with VAT

Benet Thomas January 15, 2026

Master your VAT: 6 tips for SMEs to manage cash flow, use digital tools, and bridge timing gaps with strategic finance. Read more to stay in control.

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How SMEs can manage the cash flow impact of regulation and compliance

Benet Thomas January 12, 2026

Don’t let compliance costs stall your momentum. As SMEs scale, one-off regulatory fees can squeeze even the healthiest cash flow. Learn how to forecast these growth triggers and manage the timing of professional fees to keep your business resilient.

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5 Budget gamechangers for SMEs

Benet Thomas November 27, 2025

Chancellor Rachel Reeves’ second Budget delivers critical updates for UK SMEs. Key changes include a 2% increase in dividend tax rates from April 2026 and an extended freeze on income tax thresholds until 2031. We’ve cut through the noise to identify the five biggest announcements impacting your business planning and cash flow.

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NACFB Analysis Survey

Benet Thomas May 16, 2024

Discover the Evolution of Small Business Finance: Unveiling Trends and Insights from Leading UK Financial Institutions. Explore how the finance landscape has transformed, the rise of new lenders, and the challenges facing specific sectors. Stay ahead with key findings from UK Finance, the British Business Bank, and the NACFB. Dive into the Future of Finance!

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Spring Budget Creative - Currency surrounding Big Ben

Spring Budget 2024: SMEs set to benefit as UK economy predicted to grow

Benet Thomas March 7, 2024

Explore the transformative potential of the Spring Budget 2024 for SMEs: from lifted VAT thresholds to vital freezes in alcohol and fuel duties. Delve into the optimistic economic forecasts ahead of the election, and how they spell good news for UK businesses. Discover an in-depth look at the strategic changes poised to benefit the economy and businesses alike.

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Capify 2024 Spring Budget Preview

Benet Thomas March 5, 2024

UK SMEs, take note: The upcoming Spring Budget on March 6th is pivotal. With a focus likely shifting towards individual benefits in an election year, businesses still have much to gain. From potential tax cuts boosting consumer spending to labour shortage solutions and key incentives for growth and sustainability, here’s a concise preview of five areas that could impact your business in 2024.

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National Apprenticeship Week

Benet Thomas February 9, 2024

Unlock your business’s potential during National Apprenticeship Week by investing in apprenticeships. Discover how this strategic move can enhance your product or service quality, as affirmed by 74% of employers, and address staffing needs cost-effectively.

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Regional Profile: The Midlands

Benet Thomas February 8, 2024

Explore the Midlands’ economic transformation in 2024, where innovation meets heritage. Discover Birmingham’s leap towards a digital future, the manufacturing sector’s optimistic outlook, and SMEs’ ambitious expansion plans despite challenges. Dive into Capify’s insights on leveraging growth opportunities in this pivotal UK region. Click for the full article on the Midlands’ vibrant economy.

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Confidence Returning blog creative

Capify – Restaurants, catering and hospitality overview into 2024

Benet Thomas February 1, 2024

The UK hospitality sector is poised for a rebound in 2024, navigating through staffing, cost, and demand challenges with innovation and optimism. This article explores strategies for dealing with inflation, supply chain disruptions, and regulatory changes, emphasizing the importance of adaptation to new consumer preferences for success.

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Q4 Blog article write up

Confidence remains low but future looks brighter for SMEs

Benet Thomas January 29, 2024

Discover Resilience Amidst Challenges: Capify’s Latest SME Survey Unveils a Glimmer of Hope for 2024! Dive into our comprehensive analysis revealing the current struggles yet emerging optimism among UK SMEs. Despite ongoing difficulties, a brighter future beckons with growing resilience and hopeful business projections.

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Business-focused Autumn Statement outlines support for SMEs

Benet Thomas November 23, 2023

Delve into the Autumn Statement, a transformative blueprint for small businesses. Featuring permanent ‘full expensing’, a £50m apprenticeship fund, and extended tax reliefs. For a comprehensive analysis and to discover how Capify’s finance solutions align with these new opportunities, read the full article.

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Q3 Blog Creative

Business confidence falls again as SMEs experience cash squeeze

Benet Thomas October 23, 2023

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

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Agriculture Trends for 2023

Benet Thomas October 19, 2023

Discover the Five Pivotal Trends Reshaping the UK Agricultural Sector and How Capify Can Help You Navigate Them. From volatile input costs to a seismic shift in consumer habits, uncover the challenges and opportunities awaiting SMEs in agriculture. Learn more now!

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Challenges & Opportunities in care home blog creative

Challenges and opportunities in care homes sector

Benet Thomas October 11, 2023

Discover why the UK’s rapidly ageing population is putting unprecedented pressure on the care home sector. Learn about the looming challenges of staffing shortages and escalating costs that could reshape the industry.

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Regional Profile: North West

Benet Thomas September 13, 2023

Heartland of the Industrial Revolution and home to some of the country’s most beautiful landscapes, the North West of England is a varied regional area.

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SME ‘cash crisis’ continues as business confidence remains low

Benet Thomas July 6, 2023

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.

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5 hospitality trends for 2023

Benet Thomas June 1, 2023

The hospitality industry has faced significant challenges in recent years, but opportunities lie ahead. Discover the five key trends that will shape the sector in the coming year.

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Billable hours creative

Is this the end of billable hours?

Benet Thomas May 31, 2023

Learn how changing customer demands are reshaping billing structures in the business and professional services sector. Read our latest article to learn how legal firms, accountants, architects, and more are transitioning to alternative billing models for enhanced competitiveness. Don’t miss out on this industry revolution!

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SME confidence shows improvement as trading performance stabilises

Benet Thomas May 5, 2023

Is your SME struggling with a ‘cash crisis’? Our latest quarterly survey reveals that while business confidence has improved in Q1 2023, reduced cash balances and ongoing cash flow concerns are still affecting many small businesses. Click to read more about our findings and learn how to navigate these challenges.

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3 Major Challenges Faced by Small Business Owners

John Rozenbroek April 6, 2023

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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ESG and SMEs – what you need to know

Benet Thomas April 3, 2023

Despite the continuing headwinds facing the wider UK economy, there remains a considerable appetite from many SMEs to become more sustainable. But what are the opportunities for ESG-focused smaller businesses, and what are the barriers they need to overcome?

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What does the banking crisis mean for SMEs?

John Rozenbroek March 22, 2023

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

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ESG and small businesses… why investing is the right thing to

John Rozenbroek March 21, 2023

ESG ignorance is costly. 56% of small business owners are unfamiliar with ESG, which is understandable as it has primarily been a concern for large corporations. However, with increasing support and interest in COP26, times are changing. ESG stands for Environmental, Social, and Governance, but how will it affect your business?

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What can SMEs expect from the Spring Budget?

Benet Thomas March 2, 2023

On March 15th Jeremy Hunt will make his second budget announcement as Chancellor of the Exchequer. What he unveils on the day can have a huge impact on the operations and finances of SMEs across all sectors.

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Cash concerns grow for UK SMEs

Benet Thomas February 6, 2023

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.

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SMEs preparing for tough times ahead

Benet Thomas December 14, 2022

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

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Taking a long-term view to green investment

Benet Thomas September 27, 2022

Latest research from Capify finds that green investments are slipping down the priority list for UK SMEs. But when the economy recovers, those companies with sustainable credentials will be well-placed to accelerate their growth. 

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UK SMEs demand immediate support from the new PM and her cabinet

Benet Thomas September 12, 2022

Latest research by alternative lender Capify finds SME owners are looking to the new Truss government to assist with a plethora of business challenges ranging from soaring inflation, weakening demand and rising interest rates.

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Q2 Business Confidence Survey: Findings

Benet Thomas September 8, 2022

Find out the results of Capify’s Q2 Business Confidence Survey.

You’ll also be able to see how the findings differ from previous surveys we’ve conducted.

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Extreme weather and the hospitality sector

Benet Thomas August 11, 2022

As the UK battles record temperatures, many climatologists believe extreme weather will become the future norm. The foodservice and hospitality sector is one industry which is directly impacted by conditions outside. So how will businesses need to evolve to meet changing demand as the mercury rises and falls?

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Cashflow a growing concern for business leaders as SMEs face new challenges from rising costs and inflation

Benet Thomas August 1, 2022

A growing number of business owners are being kept awake at night by worries over cash flow. In Capify’s Q1 2022 Confidence Survey, 37% of respondents cited cash flow as a major concern (up 14pp from 23% in Q4 2021). Whilst a further 13% were concerned specifically about non-payment of invoices.

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5 Inspirational and Innovative Female Business Leaders

Benet Thomas July 1, 2022

The number of women in C-level, executive jobs is still relatively low in the UK. Just 6 of the FTSE 100 chief executives are women (8 are called Dave), and those male chief executives “earn on average 77% more” than the women on the same board.

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The Supply Chain Crisis & SMEs in 2022

Benet Thomas July 1, 2022

Business owners in the United Kingdom are facing the highest rate of inflation for a decade, as Covid-19’s fallout drives up the cost of raw materials. Towards the end of 2021, significant supply chain disruptions were happening across the country and the rise in inflation is likely to see this continue well into 2022.

But other than a general 8% increase in price tags, how has the supply chain crisis affected the various sectors of industry so far, and what has it meant to business owners?

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5 Cash Flow Worries for British Businesses

Benet Thomas July 1, 2022

Cash flow management can affect every aspect of a business’ growth, from its ability to hire new staff to servicing more customers and clients.

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The Top UK Cities For Business Growth

Benet Thomas July 1, 2022

Recently there was an analysis performed on 150,000 businesses in the UK to see how various locations stacked up in terms of business growth.

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Survey Data: how do SMEs feel about environmental schemes following COP26

Gabby Covino June 30, 2022

In the wake of COP26 and the strive to create a greener economy, many small business owners have been asking themselves how they can factor in greener initiatives into their business models.

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Should SMEs be looking beyond traditional banks?

Gabby Covino June 29, 2022

Since the 2008 financial crisis, consumer trust in banks has declined and despite efforts to support customers during the COVID-19 pandemic, the level of trust in traditional banks remains low.

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Rising energy prices – what does it mean for UK SMEs?

Gabby Covino June 29, 2022

What does the ever-rising energy prices mean for the UK SME?

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More than one in three UK SMEs are planning to grow their workforce

Gabby Covino June 29, 2022

The second batch of findings from our latest survey of UK small businesses found that 35% of SMEs plan to grow their workforce by more than 10% over the next year.

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2021 Spring Budget roundup for SMEs

Benet Thomas March 4, 2021

Chancellor of the Exchequer, Rishi Sunak delivered his much-anticipated Spring Budget, outlining a £65bn three-point plan focused on supporting British people and businesses, fixing the public finances and building the UK’s future economy.

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Business confidence and its impact on UK SMEs

Benet Thomas February 16, 2021

It’s perhaps unsurprising that a global pandemic, national lockdowns, Brexit and a potential double-dip recession have knocked business confidence in the UK over the past

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