FINANCE OPTIONS

Understanding VAT Loans

VAT loans are financial products designed to help UK businesses manage their VAT payments by spreading costs over time. This prevents a large cash flow hit when due to HMRC, ensuring businesses maintain operational stability. Key benefits include improved cash flow, avoidance of penalties, and business growth support.

Secure up to £500,000 in Business loans with Funding Agent.

  • Quick and easy application process
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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What are the benefits of VAT loans?

Our VAT loan solutions provide enhanced cash flow management, allowing businesses to avert late payment penalties while focusing on growth. You can borrow as little as £5,000 or as much as £1 million, with rates between 2% and 8% per annum. Our fast decision processes mean you can often receive funding within a week.

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Quick access to funds
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Supports cash flow
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Flexible repayment options

What are the types of VAT loans?

Short-term VAT Loan

Short-term VAT Loans are available from £5,000 to £250,000, with lending terms of 1 to 12 months. Eligibility is open to UK-registered SMEs with 18 months of trading history and current financial records.

Short-term VAT Loan

Short-term VAT Loans come with interest rates from 3% to 5% p.a., with decisions made in 24 to 48 hours. Ideal for immediate VAT liabilities, they help maintain cash flow stability, especially post-holidays for retail sectors.

VAT Bridging Loan

VAT Bridging Loans range from £10,000 to £500,000 over 3 to 6 months, tailored for SMEs with pending receivables and turnover growth.

VAT Bridging Loan

Interest rates for VAT Bridging Loans range from 4% to 8% p.a. and decisions are typically within 3 days, with funds available in a week. Suitable for bridging VAT outlay gaps, especially for manufacturing companies awaiting international payments.

Revolving Credit Facility for VAT

Businesses with turnover of £250,000+ can secure £25,000 to £1 million through a revolving credit facility, reviewed annually.

Revolving Credit Facility for VAT

The Revolving Credit Facility offers variable rates starting from 2% above base rate, with decisions in 1 to 2 weeks. It's perfect for ongoing cash flow support, such as tech firms managing fluctuating revenues.

What is a VAT loan

Application Process

Applying for a VAT loan involves submitting financial records, tax filings, and business plans. Our streamlined processes ensure quick decisions, often within 24 hours, leveraging our expertise in quick business finance.

Regulatory Compliance

Lenders of VAT loans in the UK must be FCA regulated, ensuring transparency and fairness. Our loans meet these standards, offering you security and reliability.

Borrowing Capacity

VAT loans range from £5,000 up to £1 million, subject to business turnover and financial health. Rates range from 2% to 8% influenced by credit scores, aligned with our competitive offerings.

FAQ’S

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