VAT & Cash Flow Finance
Free Your Cashflow.

Turn your quarterly VAT bills into manageable daily or weekly payments and give your business room to breath

20,000+
UK Businesses Funded

VAT Bill Management Made Easier

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. 

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EXPLORE YOUR OPTIONS

Can't Pay Your VAT Bill?

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. 

PROTECT YOUR CASH FLOW

How to Pay a Large VAT Bill Without Damaging Your Cash Flow

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. 

UNDERSTAND HMRC TIME TO PAY

HMRC Time to Pay for VAT: How It Works

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. 

COMPARE YOUR CHOICES

VAT Loan vs HMRC Time to Pay

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. 

CAPIFY VAT FINANCE

Why Use VAT Bill Finance?

Protect Your Cash Flow

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.

Spread the Cost

Rather than making one large payment, repay the cost over an agreed period with predictable monthly repayments that are easier to budget for.

Keep Your Business Moving

Avoid delaying investment, purchasing stock or taking on new opportunities simply because a VAT payment has reduced your available cash.

A Flexible Approach

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.

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VAT & Cash Flow Finance

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