VAT loans for UK businesses

A VAT loan that pays HMRC for you, and turns your bill into 3 fixed monthly repayments.

How VAT loans protect your cash flow

Need to settle your HMRC VAT bill without watching your cash flow take a blow? A Business Lending Ltd VAT loan spreads the bill into fixed monthly repayments, so a chunky quarterly demand stops being a quarterly headache.

Competitive rates, predictable instalments, and the working capital you need stays where it belongs – in the business. Tax season, sorted. You? Free to get back to the good stuff.

See if you are eligible
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Credit score not affected – Yep, that’s right – your credit score stays safe while exploring loan options with us. We keep it worry-free until you’re ready to dive in. Competitive rates.

What is a VAT loan?

A VAT loan is a finance tool built to cover your HMRC VAT bill.
 
The lender pays HMRC directly on your behalf and you repay in fixed monthly instalments. Typically over three months, aligned with your next VAT quarter. That chunky quarterly tax bill stops draining your working capital, or triggering late-payment surcharges. If your cash crunch is tied to tax season, a VAT loan is the precise tool you need to stay compliant.

What are the benefits of VAT loans?

01

Stress-free VAT payments

Your VAT bill splits into manageable monthly repayments, so tax time stops being the part of the quarter you dread.

02

Frees up working capital

The cash you would hand to HMRC stays in the business, ready for stock, payroll, hiring or whatever you need it for.

03

Fast decisions, faster relief

VAT loan applications could be approved and paid to HMRC within as little as 4 hours. Useful when the deadline is hours away rather than weeks.

04

Fixed monthly payments

Your VAT bill becomes three fixed monthly repayments – no variable rates, no nasty surprises, no spreadsheet gymnastics.

 
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Your questions answered

Are business loans suitable for small businesses?

Absolutely! Small business loans from Business Lending are ideal for SMEs needing a quick and flexible loan. We get the unique challenges you face and offer the best business loan tailored to you. It's like a financial hug for your business!

Is my credit score impacted when applying for a business loan?

Wondering about your credit history? Don't sweat it! When you apply for a business loan, we'll do a soft credit check without affecting your personal credit history. Once you accept the offer, the business loan gets recorded on your credit, but hey, you're already approved - no worries there!

How long does it take to receive funding with a business loan from Business Lending?

Need cash in a flash? With Business Lending, you can get your business loan within 24 hours of approval. Our speedy approval process means you can get back to business ASAP. In some cases, we've got successful applicants funded in as little as 4 hours, just make sure you have all the necessary info ready and we can get it processed quicker than... Hmm we’ve ran out of quick analogies now... Something super quick!

What are the eligibility criteria for applying for a business loan?

Our standard requirements are that you are based in the UK, 3+ months trading, and £50k+ turnover. Don't stress if you don't fit this though! We have various business loan options outside the box. We accept applications from both private limited companies and sole traders. Give us a shout to see how we can help your business out!

What is the total amount I can borrow with a business loan from Business Lending?

How much can you borrow? That depends on your business's financial mojo. Business Lending offers loan amounts from £1,000 to £1,000,000, giving you the capital you need to turn your big plans into reality.

What are the repayment periods for business loans?

Our repayment plans are as flexible as a yoga instructor, adaptable & stress-relieving - minus the stretchy pants. Depending on the type of business loan and loan amount, we offer a variety of term loans, from 3 months to 6 years. Let us know your business plans and we'll work with you to find a schedule that fits your business.