Paid directly to HMRC
Terms from 3 to 12 months
From £10,000
Decision within 24 hours
No Time to Pay needed
Don't let your VAT bill drain your cash reserves
Whether your VAT is due monthly, quarterly, or annually, a large bill can put significant pressure on your working capital. We arrange VAT finance through specialist lenders on our panel, the funds are paid directly to HMRC, and you repay in manageable monthly instalments.
There's no need to negotiate a Time to Pay arrangement with HMRC. A VAT loan settles your bill on time, avoids surcharges, and keeps your HMRC compliance record clean.
Most VAT-registered businesses qualify, and decisions are typically made within 24 hours.
How it works
Tell us how much your VAT bill is and when it's due
We arrange finance through our lenders, decision within 24 hours
Funds are paid directly to HMRC on your behalf
You repay in fixed monthly instalments over 3 to 12 months
Why businesses use VAT finance
Protect your cash flow
Spread your VAT payment over months instead of one large outgoing that disrupts your working capital.
Pay HMRC on time, every time
Avoid surcharges, interest, and the stress of missed deadlines. Your bill is settled promptly.
Paid directly to HMRC
You never handle the funds. Our lenders pay HMRC on your behalf, keeping it clean and simple.
No Time to Pay needed
Skip the HMRC negotiation. A VAT loan is faster, more flexible, and doesn't appear on your HMRC record.
Most businesses qualify
From £10,000 upwards. UK VAT-registered businesses with 3+ months trading are typically eligible.
Renew every quarter
Use VAT finance as an ongoing cash flow tool. Renewals are faster and simpler once you've used it once.
What you'll need to apply
VAT Return
Your most recent VAT return showing the amount due to HMRC
Bank Statements
3 months of business bank statements
Company Details
Company registration number and director information
Bill Amount
The exact amount you need to pay and when it's due
Related finance options
Useful resources
Related at Funding Flow: HMRC Time to Pay loans, Self Assessment finance, VAT loan calculator.
Official references: gov.uk VAT payment deadlines, gov.uk if you cannot pay your tax bill.
Estimate your monthly cost
Get an indicative quote in seconds. No sign-up required.
VAT / HMRC loan calculator
Estimate your monthly repayments on a tax finance loan. Guide tool only.
£10,000 to £1,000,000 (£500,000 cap for PAYE / Self Assessment)
Illustrative only, not a quote.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Frequently asked questions
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