What Are Tax & VAT Loans?

Loans for tax or VAT are becoming increasingly common. When cash flow is tight and an unexpected bill crops up – a fast, flexible loan can be a lifesaver.

Read on to find out more about how we can help and the options available to you to fund that tax payment or VAT bill. If you’d prefer to speak with an expert simply fill in the form.

Ask An Expert

Fill in the form below to talk through your requirements with an expert.

  • No broker fees

  • No upfront fees

  • Expert broker service

  • Market leading rates

  • Terms in 1 hour

Or call us now on 01922 620008

Taking Out A VAT Loan

A larger than expected, or even unexpected tax or VAT bill can be destabilising for a business and can sometimes put future trading at risk. There are plenty of options to ensure your bill can be paid on time to avoid any serious problems.

Even when a bill doesn’t turn up unexpectedly, other factors can affect cash flow. These can include late payments from customers or other unexpected costs, such as broken machinery or vehicles. Whatever the situation, we have a range of options to take the pressure back off you.

Taking out finance to cover the bill can be cheaper that racking up late-payment fines.

What Can You Fund?

We can arrange business finance for most situations, but our VAT bill loans are usually used to pay for the following:

Corporation Tax

Paying tax in one big lump sum can be difficult to manage for small businesses, especially if you’ve not been able to set aside enough money throughout the year. Failure to make the payment can result in penalties being applied which can quickly add up.


If your PAYE is due and you don’t have the money on-hand, you will need to raise money quickly. Depending on your circumstances, we can raise money in as little as 24 hours.

Quarterly VAT

Funding a VAT bill must be considered a high priority for any business and we speak with a number of business owners who are struggling to make the payment. As important as it might be, it can be tricky to keep putting aside the money needed to pay, causing problems for the business.

VAT On Property Purchases

Commercial properties are often VAT registered, meaning VAT must be paid on them when they are bought. When you’re already putting down a large deposit to obtain a commercial mortgage, it can be tricky to also pay VAT on the purchase price. We can arrange unsecured loans for the purchase that are repaid when the VAT is reclaimed on the quarterly return.

How Much Can I Borrow?

We can lend from £10,000 up to £500,000 on for the payment of tax, VAT bills or other financial emergencies.

Will I Qualify?

We work with lenders across the whole business finance market and offer a wide range of products. One of our advisers will talk through your circumstances and details of your requirements and advise you on the best course of action.

Where borrowing is required, we will let you know which products would be most suitable for you, how much they will cost and how quickly you are likely to get the money.

How Quickly Can I Take Out A VAT Loan?

We have facilities that can complete in as little as 24 hours from your initial application. Most unsecured products can usually complete in 3-5 days.


About The Author

This content was produced by our Commercial Lending Director, Gary Hemming. Gary has over 15 years’ experience in financial services and specialises in bridging loans, commercial mortgages, development finance and business loans. He is widely respected in his field and regularly provides expert commentary for specialist trade publications, specialist business press as well as local and national press.

Gary Hemming CeMAP CeFA CeRGI CSP  -  
Commercial Lending Director

Want to Know More…?

Use the panels below to read more.