Apply For A VAT Loan Today
Spread Payments Over 3 Months Preserve Working Capital Avoid Late Penalties & Fines
Apply in minutes, there’s no affect on your credit score and you can get a decision within 24 hours.
“I highly recommend any business looking to improve cash flow to speak to Terry and the team he has at Adept.”
“I highly recommend any business looking to improve cash flow to speak to Terry and the team he has at Adept.”
Borrow from £10k to £2m
Spread payments over 3 months
Pay on time, avoid penalties and fines
Rates from 5%
We Make VAT Loans Easy
Our experts take all the stress and confusion out of applying for finance
Apply online in minutes
To get things started, share some basic information about your company and how much you’re looking to borrow with us. Applying does not affect your credit score.
Review your offers
Our LoanTech decision engine will save you hours by telling you in minutes how much you can borrow and which lenders you can apply to.
Get funded
We discuss the available options with you and manage the application process through to completion. Funds can be available in as little as 24 hours.
Can I get a VAT Loan for my Tax Bill?
Don’t let a large VAT payment strangle your cash flow. Specialist VAT loans are available for businesses like yours, allowing you to split the cost over 3 convenient monthly installments. This frees up vital working capital for day-to-day operations and upcoming expenses.
Preserve cash flow, avoid late payment penalties and keep your finances healthy.
How do I finance my VAT bill?
Specialist VAT loans offer a flexible solution, allowing you to spread the cost of your VAT bill over manageable monthly installments. This way, you can avoid a cash flow squeeze and free up vital capital for other pressing needs – like investing in growth initiatives, meeting payroll, or covering unexpected expenses.
Unlike traditional loans, VAT loans are often designed for quicker turnaround times. This means you can secure the funding you need fast, ensuring your VAT payment is settled on time and avoiding any late payment penalties from HMRC.
What are the Benefits of a VAT Loan?
Unexpected tax bill? VAT Loans can bridge the gap without hurting your cash flow
Bridge the Tax Gap
VAT loans provide immediate funding to cover tax liabilities, ensuring smooth business operations.
Avoid Penalties and Interest
Pay your taxes on time and avoid costly penalties and late-filing interest with a VAT loan.
Preserve Working Capital
Don't tap into essential business funds – a VAT loan lets you manage taxes without impacting growth plans.
Flexible Repayment Options
Choose a repayment schedule that aligns with your cash flow, making tax season less stressful.
Improve Cash Flow Management
Gain predictability and control over tax obligations with a structured loan repayment plan.
Simple Application
Fast and efficient application process minimises disruption, letting you focus on core operations.
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Prefer to talk? Call us on 0208 137 0105
Is a VAT Loan right for my business?
VAT loans offer a range of advantages that can streamline your finances and keep your cash flow healthy. Here are 10 reasons why a VAT loan might be the perfect fit for your business:
Smooth cash flow
Avoid penalties
Preserve working capital
Flexible repayment options
Quick application process
Improved financial management
Peace of mind
Invest in growth
Tailored options
What Our Clients Say
Frequently Asked Questions
What is a VAT loan?
A VAT loan is a financial product designed to help UK businesses manage VAT obligations by enabling them to pay VAT to HM Revenue and Customs (HMRC) while maintaining liquidity for other business operations.
How do VAT loans work?
When you apply for a VAT loan, if approved, the lender pays the VAT amount directly to HMRC. Your business then repays the lender in monthly instalments over a period of 3 to 12 months.
What happens if I pay my VAT bill late?
Late VAT payments can result in penalties and surcharges. Businesses can avoid these extra costs by taking out a VAT loan to ensure timely payments
How much can I borrow?
The amount you can borrow typically ranges from as low as £5,000 up to £5 million, depending on your business’s circumstances and eligibility
How often can I get a loan for VAT?
Since VAT is paid quarterly, VAT loans are usually short-term, lasting 3-12 months. You could potentially get a VAT loan every quarter if your business maintains good standing.
What are the interest rates for a VAT Loan?
Interest rates are generally higher than other business loans and can vary based on the borrower’s criteria and market rates.
Is my business eligible for VAT finance?
Eligibility typically includes being VAT-registered in the UK, having a turnover of more than £85,000, and maintaining a good business credit score.
What are the advantages of spreading the cost of my VAT bill?
VAT loans provide immediate liquidity, helping businesses manage cash flow, invest in growth, and avoid penalties for late VAT payments.
Are there any disadvantages?
One main disadvantage is that VAT loans can be more expensive than other forms of business borrowing due to their short-term nature.
Can a VAT finance be used to pay other corporation tax liabilities?
No, VAT loans are specifically for paying outstanding VAT. However, other loan products are available for different corporation taxes.
Where can I get more information on VAT loans?
The British Business Bank offers a clear and informative webpage explaining VAT loans, what they are, and how they work in the UK.
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Prefer to talk? Call us on 0208 137 0105