Step of 3

Trusted Finance Finders - Start Your VAT Loan Application Today

We Take Security Seriously

We just have a few quick and easy questions for you to answer

£ Please pick an amount larger than £10,000
Please fix errors before proceeding to the next step.

We just need a few contact details from you

Don’t worry we won’t hound you with calls, this is just to contact you about your quote.

Please fix errors before proceeding to the next step.

Finally we just need a few details about your business

We won’t pass your information to any third parties, it’s just to get a quote to suit you.

Please fix errors before submitting your quote. Sorry something went wrong, please try again shortly.

Great, you’re all done!

We’ve received your details, one of our advisors will contact you shortly!

Our Trusted Lenders

We’re working with the best people in the industry to give you the best possible deals for your UK business loan.

Great, you’re all done!

We’ve received your details, one of our advisors will contact you shortly!

Want a call back?

Fill in this short form and we’ll get back to you, don’t worry we won’t hound you with calls.

Sorry something went wrong, please try again shortly.

VAT Loan - What You Need to Know

VAT, or value-added tax, is a tax added to goods and services within the EU. Businesses that sell goods or services most often add VAT to the price of their products and services. If a business is struggling to pay their VAT, they may wish to consider a VAT loan, also referred to as VAT loan finance.

What is a VAT loan?

A VAT loan can help businesses who are unable to pay their taxes on time and prevents a business from incurring fees or penalties from HMRC. A loan can also help businesses prepare for upcoming payments and improve their cash flow.

Top benefits of VAT lending:

Future proof:

A VAT bridging loan helps to future proof your business against any unforeseen circumstances. For example, if machinery suddenly breaks or your property require essential maintenance work, a VAT loan ensures you can pay for any important business expenses and still pay your VAT on time.


Instead of paying your VAT at once, a VAT bridging loan allows you to divide your VAT into reasonable monthly instalments. This will help a business to manage their cash flow more effectively and will give them greater control and transparency over their finances.

Quick & Straightforward:

Applying for a VAT loan in the UK is simple and straight forward, helping you to simplify your business tax and expenses quickly and efficiently.

Potential limitations of a VAT bridging loan:

  • If you apply and are approved for a UK VAT loan, you will be expected to make the agreed monthly payments. If you fail to make the monthly repayments, you may receive additional charges.

A VAT loan is not a tax avoidance scheme. Read more about VAT obligations in the UK, here.

Start Your VAT Loan Application With Us Today!

To learn more about VAT business finance or to start an application to pay your VAT, do not hesitate to get in touch with UK Business Loan today via our simple 4-step online application form and start your business VAT loan journey. We are commercial finance finders you can trust and have already helped many businesses in the UK.

Get Started

FAQs about applying for a VAT loan in the UK

How old do I need to be to apply for a UK VAT loan?

To qualify for a VAT loan, you must be at least 18 years of age and be a permanent UK resident.

Will a VAT bridging loan affect my credit score?

Your credit score may be checked during the application process for a VAT loan. Once approved, however, the VAT bridging loan will be in your company name and will not affect your personal credit score.

What is a secured VAT loan?

A secured VAT loan is a loan that has been secured against collateral. For example, secured VAT lending may require property, real estate or stock to be approved. If you do not wish to supply collateral for VAT lending, you may wish to consider an unsecured VAT loan.

Is the VAT loan application process complicated?

At UK Business Loan, the VAT lending process is simple and straightforward. To get started simply complete our simple 4-step application process. We do everything in our power to ensure the application process is as effortless for your business as possible.

What information should I include in my application?

In your application for a VAT loan, you should include your contact details, marital status and the name and contact details of your company. A VAT lender will contact you if they require more information, e.g. regarding the financial status of your company.

How old does my business need to be to be approved for a VAT loan?

The age of your company will be taken into account during the application process, in general, your business must have been operating for at least 1 year to qualify for a VAT loan. If your company is younger than 1 year, you may wish to consider a start-up loan.

VAT Funding

A VAT Loan is a type of funding used to pay outstanding VAT bills and to mitigate or nullify the impact or likelihood of incurring late payment finds from HMRC.

Ian Gray

Finance Expert - 30+ Years of Experience in Accounting & Finance

Looking for something else?

If you’re looking to explore any other pages, here are a few quick links to make things a bit easier.

Ian Gray
About the expert

Ian Gray

Finance Expert - 30+ Years of Experience in Accounting & Finance

Date published: Sun 26 Dec 2021

Latest edit: Thu 17 Aug 2023

Independent business finance experts covering the North West of England and North Wales. We specialise in unsecured business funding, including VAT and Tax concerns, also offering commercial finance to SME owners. IRG Capital Finance, Royal House, Upper Northgate St, Chester, CH1 4EE . Company Number: 14693947 | ICO Registration Number: CSN9053333 | IRG Capital Finance Ltd. T/As UK Business Loan.