VAT bill due?
We pay HMRC on time. You repay monthly — keeping your working capital intact.
100%
VAT bill covered
3–12 months
Flexible spread
48hrs
Setup time
VAT Funding
Which best suits your situation?
Pick the option closest to what you need and we'll tailor the numbers to you.
Options
VAT Funding options explained
Quarterly VAT Advance
We pay 100% of your VAT bill to HMRC on the deadline, before any penalty clock starts. You repay in three equal monthly instalments at a fixed, transparent rate.
Who this is best for
Tax Benefit
Funding charges are fully deductible as a business expense — and usually cheaper than overdraft alternatives when cash-constrained.
Frequently asked questions about vat funding
Industries that use vat funding
Ready to get started?
Speak to a specialist today — no obligation.
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How it works
From quote to funded in four steps
No-fuss finance — we handle the applications so you can focus on your business.
Get started in one minute
Enquire online — it won't affect your credit score.
We understand your business
A dedicated account manager discusses your needs and gathers the details.
Our experts do the legwork
We search 50+ lenders and come back with a no-obligation quote.
Your finance is funded
The asset is bought and delivered — or the funds released to your account.
The essentials
What is VAT funding?
What is VAT funding?
A short-term facility that pays your quarterly VAT bill to HMRC on time — you repay in monthly instalments, keeping working capital in the business.
How does it work?
We pay 100% of your bill on the deadline, then you spread the cost over the following months at a fixed, transparent rate.
Benefits
Why businesses fund their VAT bill
No HMRC penalties
Keep your compliance record clean.
Preserve working capital
Cash stays in the business.
Predictable payments
Small fixed monthly instalments.
Tax-deductible charges
Reduces your net cost.
Fast setup
Funding arranged within 48 hours.
Arrears protection
Stop HMRC enforcement action.
Handle seasonal peaks
Smooth lumpy VAT payments.
Annual VAT spread
Fund annual accounting bills too.
Spreading the bill vs paying the lump sum
Paying the lump sum
- One large hit to cash flow each quarter
- Reserves drained at the worst times
- Penalty risk if cash runs short
Spreading the cost
- HMRC paid in full, on time
- Small predictable monthly payments
- Working capital stays in the business
Why businesses choose us for vat funding
15+ specialist funders
Direct relationships with HMRC-compliant VAT lenders
48-hour setup
Fastest VAT payment solution in market
£2M+ VAT bills
High-turnover and seasonal businesses rely on us
Compliance guaranteed
HMRC paid on time; your compliance record stays clean