Business finance from £10,000 to £2 million — any sector

Business Loans & Working Capital

VAT Loans

Spread the cost of your quarterly VAT liability so a large bill never disrupts your working capital.

Amount
£10,000 – £1m
Term
3–12 months
Decision
Within hours

What is a VAT loan?

A VAT loan is short-term finance that pays your quarterly VAT bill to HMRC on time and lets you repay over three to twelve months. Funds are often paid directly to HMRC. It suits VAT-registered businesses with a trading history whose cash flow is stretched when a large VAT payment falls due.

Last reviewed · PFC Commercial Finance

Key features

  • Funds paid directly to HMRC
  • Repay over three to twelve months
  • Repeat facilities each quarter
  • Avoid penalties and surcharges

How it works

Tell us about your business and what you need. Your dedicated account manager compares vat loans options from across our lending panel, prepares the application on your behalf and presents a clear, no-obligation quote. There is no impact on your credit score until you choose to proceed.

Who is it for?

UK limited companies, partnerships and sole traders in almost every sector — from start-ups to established businesses, including those with a less-than-perfect credit history.

VAT Loans: common questions

Who can get a VAT loan?

VAT-registered UK businesses, usually with at least a year or two of trading history and filed accounts. Lenders also look at bank statements and VAT payment history.

Can I get a VAT loan every quarter?

Yes. Many businesses use a repeat facility, taking a new VAT loan each quarter as the previous one is repaid.

How quickly can a VAT loan be arranged?

Decisions are typically made within one to three working days, so apply a week or two before your VAT deadline.

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£150,000
£10,000£2,000,000
36 months
6 months72 months
Business credit profile

Estimated monthly repayment

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Get my exact quote

Figures are illustrative only and are not a quote or an offer of finance. Actual rates depend on your circumstances, the lender and the product. Finance is subject to status and available to UK businesses only.