Turn your quarterly VAT bills into manageable daily or weekly payments and give your business room to breath
We understand that managing cash flow can be challenging at times.
Our VAT finance option allows you to spread the cost of an eligible tax bill over up to three months (subject to approval). This helps you manage short-term cash flow while continuing to trade as normal.
Every quarter, thousands of UK businesses face a VAT bill they can’t comfortably pay. This guide explains the practical options available, helping you take action early and choose the approach that’s right for your business.
Paying your VAT bill is only part of the challenge. This guide shows you how to meet your tax obligations without leaving your business short of the cash it needs to operate and grow.
If you’re experiencing temporary cash flow difficulties, HMRC may allow you to spread your VAT payments through a Time to Pay arrangement. This guide explains how the scheme works, how to apply and what to consider before making your decision.
There’s no single answer to managing a VAT bill. This guide compares HMRC Time to Pay and business finance, helping you understand the advantages and considerations of each option.
Pay your VAT bill on time without using all your available cash. Keeping working capital in your business can help you cover payroll, supplier payments and day-to-day expenses.
Rather than making one large payment, repay the cost over an agreed period with predictable monthly repayments that are easier to budget for.
Avoid delaying investment, purchasing stock or taking on new opportunities simply because a VAT payment has reduced your available cash.
Every business is different. Our experienced advisers take the time to understand your circumstances and discuss whether VAT bill finance is the right solution for your business.
Browse and compare every loan product we offer
Flexible funding from £10,000 to £3,000,000
No assets required as collateral
Lower rates when backed by business assets
Options available even with a poor credit history
Funds deposited within 24 hours of approval
Repay in 3–12 months with manageable terms
Keep day-to-day operations running smoothly
Bridge gaps between invoicing and payments
Pay suppliers on time and protect relationships
Spread the cost of your VAT bill over monthly payments
Combine multiple debts into one manageable repayment
Replace existing finance with better terms
Fund equipment, vehicles and machinery purchases
Short-term property finance while you arrange long-term funding
Purchase or refinance commercial property
Side-by-side comparison of every finance option
Understand what we look for before you apply
Estimate your monthly repayments instantly
Our simple application process explained
Comprehensive guides covering every type of business finance available in the UK.
Practical tips and strategies to manage and improve your business cash flow.
Estimate monthly repayments and total costs for different loan amounts and terms.
Answers to the most common questions about business finance and eligibility.
Tailored funding solutions for high-street and online retailers.
Finance options designed for bulk purchasing and distribution businesses.
Funding for pubs, restaurants, hotels, and leisure operators.
Project-based and asset finance for construction and trades firms.
Equipment finance and working capital for UK manufacturers.
Specialist finance for care homes, GP surgeries, and health sector operators.
Quarterly reports tracking SME sentiment, lending trends, and economic outlook.
Actionable insights and case studies to help your business grow faster.
Latest news, expert opinions, and practical advice for UK business owners.
