VAT Loans
Spread Your Quarterly VAT Bill
Quick decisions
Get a decision within 24 hours
Industry-leading rates
Benefit from competitive rates
5-star service
Dedicated account managers to support you.
Why Use a VAT Loan?
VAT payments are a legal requirement, but they don’t have to create headaches for your business. With a VAT loan from Reality Finance, you can manage your tax obligations without disrupting your cash flow. As a UK-based company, our focus is solely on providing VAT and business loans for UK businesses, and with over 20 years of experience through our brand, Tax Funding Limited, you can trust we know how to help.
What Is a VAT Loan?
A VAT loan is a short-term financial solution designed to help UK businesses spread the cost of their VAT payments to HMRC over manageable monthly installments. Whether your business is experiencing seasonal cash flow challenges, unexpected expenses, or saving for a major investment, a VAT loan can provide the flexibility you need.
Why Might You Need a VAT Loan?
- Seasonal cash flow fluctuations
- Unexpected costs, like repairs or equipment
- Planning for future investments
- Managing tight cash reserves
Late VAT payments can lead to penalties, interest charges, or even investigations. By securing a VAT loan, you can avoid these issues and maintain control of your finances.
Our application process is simple and fast. You’ll need to provide documentation, including proof of identity, business address, and financial statements. In many cases, you can receive approval within 48 hours, with funds paid directly to HMRC shortly after.
Take the stress out of VAT payments. Talk to us today to find out how a VAT loan can help keep your business running smoothly.
How does a VAT Loan Work?
Once approved, the lender pays the VAT directly to HMRC, and you repay the loan in monthly installments, usually over a period of 3 to 12 months. Our straightforward process ensures that you can focus on your business while we handle the financial details. With loans ranging from £5,000 to £5 million, we tailor our solutions to meet your business’s unique needs.
Why Reality Finance?
5 star service rating
Verified by Feefo
Over 30 lenders on our panel
so we can source you the best deal
Lender in our own right
Provides additional flexibility
Funding hard and soft assets
Anything you need for your business
24 years of trading
Established in 2000 and privately owned