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VAT Loans

Compare one of the largest lending panels in the UK with an application that takes minutes. Instant decisions and same day funding available.

Sourcing finance, supporting growth

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Borrow £10k - £10m
Funding requirement
Instant Quotes
Available on request
Compare 100 Lenders
Market leading lenders
Instant Decisions
Subject to lender, up to £250k
Same Day Funding
Subject to product, and lender
Dedicated Account Manager
One point of contact throughout

How VAT Loans Can Help Your Business

VAT Loans are more than just a way to cover tax bills — they’re a smart cash flow management tool designed to give your business breathing space and financial flexibility.

Improve cash flow

Avoid large lump-sum VAT payments by spreading the cost into manageable instalments.

25. Financial Growth

Scale for growth

Hire more staff, invest in marketing or open a new store! Whatever your goals, we can help you reach them.

10. Pie Diagram

Upgrade your business

Keep funds available for hiring staff, marketing, or expansion instead of locking them into tax bills.

Purchase stock or materials

Use a VAT Loan to ease seasonal pressures, pay suppliers, or handle unexpected costs without financial stress.

Prefer to talk? Contact us today on 01908 880420

Our products

Discover how our VAT Loan solutions are designed to keep your business compliant while protecting cash flow.

Short Term

Our short-term VAT Loans allow you to spread the cost of your quarterly VAT bill over 3–6 months. Quick to arrange and simple to manage, they help you pay HMRC on time without disrupting your working capital.

Flexible Terms

For businesses with larger or irregular VAT bills, our flexible-term VAT Loans let you spread payments over up to 12 months. This ensures predictable monthly repayments while keeping your funds free for investment and day-to-day operations.

How it works

Accessing business finance doesn’t need to be complicated or time-consuming. We put you in front of multiple lenders to bring you fast, flexible solutions that meet your finance needs.

01

Apply in minutes

Submit basic information about your business and your requirements, you can do this either online or by calling us on 01908 880420.

02

Tailor your application

A member of our team will then speak with you to obtain further information relevant to your application, to help tailor it to your specific needs.
03

Review your offers

We will provide you with any conditional offers, that you be be approved for, and answer any further questions that you may have on them.
04

Get funded

Once you have accepted, and completed the paperwork of your preferred offer, funds can potentially be with you on the same day (subject to lender and product).

Prefer to talk? Contact us today on 01908 880420

Helping You Stay in Control

At The Funding Store, we know that managing VAT can feel overwhelming — especially when cash flow is tight. Our team takes the time to understand your business and recommend the right VAT Loan solution to keep you in control.

Put us to the test — get in touch today. We’ll guide you through the process, match you with the right lender, and make sure your VAT bill is handled smoothly.

Why Choose VAT Loans?

VAT Loans are one of the most effective ways to manage tax obligations without draining your business cash reserves. Instead of worrying about upcoming VAT deadlines, you can plan with confidence.

Why use The Funding Store?

If you need immediate access to finance our team will work to your brief, providing a same day decision, with finance in your account on the same day (subject to product and lender).

We have access to some of the UK’s leading finance providers, who can offer you some very competitive rates for your finance needs. Contact us to discuss your requirements.

We don’t use a scattergun approach, Understanding your finance needs allows us to approach the right lenders on our panel, which means you will not be hit by multiple credit searches.

We don’t charge for searching for your finance. We only earn if you choose a finance package that you are happy with, therefore our sole focus is finding finance that meets your needs.

We are happy to talk to everyone involved, including your accountant, IFA or solicitor to make sure we are all working together, or to request information, taking the hassle off your shoulders.

Transparency

No upfront broker fees

Sourcing finance

Access to over 100 market leading lenders

Supporting Growth

Funding for almost any purpose

We Build Relationships

We are continually reviewing funding providers to bring you choice, competitive rates and flexibility, allowing you to access the right finance, at the right time.

Dedicated Account Managers

Most importantly, we are passionate about what we do. This is evident in our enthusiasm and commitment to assisting you at each stage, and after you have secured your finance.

Frequently Asked Questions

At The Funding Store, we know that choosing the right finance option can feel overwhelming.
A VAT Loan is a short-term finance solution that allows businesses to spread the cost of their VAT bill over regular instalments, rather than paying in one lump sum.
With The Funding Store, applications are straightforward, and many VAT Loans can be arranged in as little as 24–48 hours, ensuring you never miss a deadline.
Most VAT Loans are unsecured, meaning you won’t need to provide assets as security. Approval depends on your business profile and affordability.
While designed for VAT, many lenders also offer similar solutions for Corporation Tax or PAYE bills. Ask our team for tailored advice.
If you want to protect cash flow, avoid HMRC penalties, and spread the cost of your VAT bills, a VAT Loan can be a practical and stress-free solution.While designed for VAT, many lenders also offer similar solutions for Corporation Tax or PAYE bills. Ask our team for tailored advice.

Are you looking for a VAT Loan?

Does your business need to retain working capital?

This type of short-term business finance is designed to help cash flow, which is an essential part of any business.

We appreciate that managing supplier overheads can at times prove difficult to any size of business, so our VAT loans could be suitable for you.

This type of short-term business finance is called VAT loans, VAT funding, VAT finance, VAT bill funding or VAT bill finance.

Our selected funders offer a rolling facility, so each quarter when your VAT bill is due the VAT loan spreads the costs over 3 more manageable payments, with payment made directly to HMRC if required.

Benefits of VAT finance

  • Rolling facility each quarter

  • Quick and simple to arrange

  • Paid directly to HMRC

  • Takes the pressure off cash reserves

  • Smooths cash flow peaks and troughs

The Funding Store have a panel of lenders that can assist with your search for that right business loan.

Once you have decided what best suits your business needs then why not contact us on 01908 880420 or request a call back at a more convenient time.

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Get a quote

Apply now

Apply Now for a VAT Loan with The Funding Store

Paying your VAT bill on time is crucial — but it doesn’t have to put a strain on your cash flow. At The Funding Store, we make it easy to apply for a VAT loan that gives your business the breathing space it needs to stay on top of obligations without disrupting day-to-day operations.

Our simple process ensures quick access to tailored finance solutions: complete our online form, receive competitive offers from our panel of lenders, and once approved, funds can be made available in as little as 24 hours.

With flexible repayment options, no hidden charges, and expert support at every stage, we’re here to help you spread the cost of your VAT bill and keep your business running smoothly.

Apply today to secure fast and reliable VAT loan funding.

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