VAT Loans
Spread your quarterly VAT bill over 3–12 months.
Short-dated finance written specifically against your HMRC VAT liability — paid direct to HMRC, repaid on a profile that fits your trading rhythm.
Ticket size
£5K – £3M
Turnaround
Funded in 24h
Capital partners
11+
Composes with
2 sectors
Key highlights
What sets this apart.
3–12 month terms
Direct-to-HMRC payment
No security on most cases
The problem
Why this capability exists.
Quarterly VAT bills land at the worst possible moment — and HMRC surcharges compound fast on late payment.
Our approach
- 01
Confirm the VAT liability with you (and HMRC where helpful) in 24 hours.
- 02
Match to a VAT-finance specialist sized to your turnover and trading history.
- 03
Pay HMRC direct on your behalf and schedule repayment to your cashflow.
Outcomes you can expect
- Median 24-hour funding decision
- 11 specialist VAT funders on panel
- Direct-to-HMRC settlement on 100% of cases
Typical structures
How vat loans deals are commonly built.
Indicative structures we orchestrate across our capital partners. Final terms depend on borrower profile, asset and exit.
Term Loan
3–7yr amortising, secured against trading cashflow or assets.
Revolving Credit Facility
Committed line, drawn as needed, covenant-tested quarterly.
Acquisition / MBO Debt
Multi-tranche senior + mezz, structured around target EBITDA.
Library OS
Live signal · stack ideas · audience fit.
Three modules that turn this capability page into an orchestration view, not a brochure.
Lender appetite right now
What our desk is seeing on this capability this week.
- flat
Two clearing banks · Working capital RCF
Leverage covenants relaxed by 0.25x for £5m+ revenues with audited accounts.
Margins held; covenants softened
- down
Alt-fintech lender · Revenue-based finance
Second consecutive quarter of arrears uptick in casual dining cohort.
Pulled appetite for hospitality
- down
Two private credit funds · Unitranche £10m+
Competing aggressively for sponsor-backed mid-market refis ahead of June.
Tightened pricing 50–75 bps
Who this fits
Audience fit, scored from the brief.
SME founders & CFOs
100%
Working capital, growth funding, asset finance, invoice finance.
Brokers & intermediaries
25%
Lender intel, criteria shifts, packaging playbooks.
Property developers & investors
0%
Bridging, development finance, BTL portfolios, refurb-to-let.
HNW & family offices
0%
Structured credit, complex cases, cross-border, tax-efficient capital.
Composes well with
Stack ideas our desk has placed before.
Vehicle & Fleet Finance
Cars, vans and HGV fleets — purchased, leased or refinanced.
Business Loans
Unsecured & secured term loans from £25K – £10M.
Acquisition, MBO & MBI Finance
Debt-stack engineering for buy-outs from £1M – £100M.
Working Capital Lines
Revolving credit, overdrafts and seasonality lines.
Test the fit
Two interactive tools, no credit footprint.
Score your eligibility and model the deal economics before you ever talk to us.
Eligibility quick-check
Get an instant indication.
Five quick questions. No credit footprint. We'll show you a fit score and what to do next.
- Is the business UK-incorporated and actively trading?
- Are annual revenues £500K+ (or £100K+ MRR for SaaS)?
- 12+ months of trading history?
- Profitable, near-profitable, or strong gross margins?
- No material adverse credit on the directors?
0/5 answered
Answer to see your fit score
Scenario calculator
Model the deal.
Indicative only — final pricing reflects your actual lender quote.
Monthly
£16k
Total interest
£77k
Arrangement fee
£7.5k
Effective APR
10.00%
What happens next
Lender panel preview & document checklist.
Indicative lender match
Who we'd quote on day one.
Anonymised preview from our 90+ lender panel. Real allocations are tuned to your file.
- Clearing Bank Term DeskTier 1
Term loan / RCF
Indic. SONIA +2.5%
- Challenger Bank GSpecialist
Asset-based / Invoice
Indic. SONIA +3.5%
- Growth Debt Fund HAlt
Venture / Growth debt
Indic. 10–14% pa
- Tax-Loan Specialist ISpecialist
VAT / Corp Tax
Indic. 0.85%/mo
- Acquisition Lender JAlt
Senior + Mezz
Indic. 9.5% blended
- Embedded Capital KAlt
Revenue-based
Indic. 5–9% factor
Document checklist
What we'll need.
Indicative pack to get you a credit-quality answer in days, not weeks.
- Last 2 years filed accounts
- Latest 6 months bank statements
- Latest management accounts + cashflow forecast
- Director ID + proof of address
- Aged debtors / creditors (if invoice / ABL)
- VAT returns (last 4 quarters)
- Personal guarantees & PAL (if requested)
- Use-of-funds memo
FAQs
Frequently asked
The questions clients always ask.
Most lenders will request a director PG, often capped to a portion of the facility. Some asset-backed structures can be PG-light.
Working capital lines: 3–7 days. Term loans: 2–4 weeks. Acquisition / structured deals: 6–10 weeks subject to legals.
Pure pre-revenue is rare; we have growth-debt partners that lend against ARR / contracted revenue from £100K MRR.
Brokerage is paid by the lender on drawdown for most facilities. For acquisition / structured-debt mandates, we agree a fee in advance.
Short enquiry
Tell us about your vat loans requirement.
A specialist will respond within one business hour. No credit footprint.