VAT Loans
Spread the cost of quarterly VAT bills to protect working capital, with funds paid directly to HMRC.
Key Features
- Funds paid directly to HMRC
- Fixed monthly repayments
- Protect working capital
- Quick approval
Use Cases
- Quarterly VAT payments
- Annual VAT bills
- Protect seasonal cashflow
Eligibility Criteria
Documents commonly requested
- Recent business bank statements
- Latest filed accounts and current management information
- Identification and business ownership information
- Evidence supporting the funding purpose
- Property, asset, invoice or contract information where relevant
The exact list depends on the facility and lender. Documents are requested only when relevant to the application.
Important considerations
- Compare the total cost, not only the headline rate
- Understand arrangement, valuation, legal and exit fees where applicable
- Check how repayments affect business cashflow
- Review security, debenture and personal-guarantee requirements
- Consider early repayment and default provisions before signing
Estimate potential costs
Use the vat finance calculator freely before deciding whether to make an enquiry. Results are indicative and are not an offer of finance.
How it works
- Tell us about your funding need
- We compare the whole-of-market lender network
- Receive competitive offers tailored to you
- We manage the application to completion
Why use FinanceMyCompany?
- Whole-of-market lender access
- Transparent, fee-clear advice
- Dedicated finance specialist
- Fast, straightforward process
VAT Loans — Frequently Asked Questions
How quickly can a VAT loan be arranged?
Approval and payment to HMRC can typically be completed within 3–5 working days.
Can I get a VAT loan for a previous quarter?
We can arrange finance for current or upcoming VAT liabilities. Arrears are handled case-by-case.
Ready to explore vat loans?
Speak to a specialist and get tailored options from our whole-of-market lender network.
Apply NowRelated tax & specialist finance
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