VAT Funding · Spread the Cost
Spread your quarterly VAT payment over 3–12 months. Keep your working capital intact and avoid disruption — same-day decisions.
Check your eligibility free — won’t affect your credit score
Why VAT Funding
A large quarterly VAT payment can seriously disrupt cash flow — even for healthy, growing businesses. VAT funding lets you spread that cost into manageable monthly payments.
✅ Spread VAT payments over 3, 6 or 12 months
✅ Same-day decisions — before your VAT deadline
✅ Preserve working capital for growth
✅ Fixed monthly repayments — easy to budget
✅ Available alongside existing finance facilities
✅ No upfront fees — we earn only when you’re funded
VAT Funding Options
Simple, flexible options to match your cash flow needs.
Pay your VAT over 3 equal monthly instalments. The most cost-effective option for shorter terms.
Balance cost and cash flow by spreading your VAT bill over 6 months. Popular with seasonal businesses.
Maximum flexibility — spread over a full year. Ideal for larger VAT bills or businesses with tight working capital.
How It Works
Fast, simple process — approved before your deadline.
Let us know your VAT bill, preferred term and a little about your business. No credit check at this stage.
We approach our panel of VAT funding specialists. Most decisions come back the same day — often within hours.
Once approved, the lender pays HMRC directly. You make fixed monthly repayments over your chosen term.
Eligibility
VAT funding is available to most UK VAT-registered businesses.
✅ UK VAT-registered business
✅ Minimum 3 months’ trading history
✅ VAT bill of £10K or more
✅ Business bank account held
✅ Director or sole trader aged 18+
✅ Adverse credit considered on many products
Our free eligibility check takes 2 minutes and won’t affect your credit score.
No credit check · No obligation · Free service
Pick a time that suits you. One of our finance specialists will call you back — no pressure, no commitment.
Free eligibility check. No upfront fees. A real adviser who picks up the phone.
