VAT Loans for Businesses
Avoid the pressure of large quarterly VAT payments with a VAT business loan that fits around your company’s cash flow.
With funding available in as little as 24 hours and flexible repayment options, we make it easier to manage your cash flow and keep your business moving forward.
This will not effect your credit score
Get a quote in minutes!
Pick your loan amount, term length, add a few details, and we’ll tell you if you’re eligible.
This will not effect your credit score.
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What is a VAT Loan?
A VAT loan, or VAT financing, is a short-term business loan designed to help you pay your VAT bill to HMRC on time without affecting your working capital.
Rather than using your business reserves, you can spread the cost of your VAT liability over several months. This helps maintain steady cash flow while staying compliant with HMRC deadlines. Think of it as a practical alternative to a VAT payment plan, offering faster access to funds, more flexibility, and wider eligibility for businesses of all sizes.
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Approved for your success
Why Choose a VAT Loan?
"VAT funding continues to be one of the most effective ways for businesses to manage cash flow during periods of growth or significant investment. Rather than tying up working capital in a large, time-sensitive VAT bill, a VAT loan allows companies to spread the cost and keep their operational momentum uninterrupted."
Emma Mears - Senior Credit Partner
Fast Access to Funding
VAT loans can be approved and funded within 24 to 48 hours, helping you meet HMRC deadlines without unnecessary stress.
Protect Your Cash Flow
Repay over 3 to 12 months, with terms tailored to your business performance and cash flow. Contact us to find what works for you.
Flexible Repayment Terms
Avoid large lump-sum VAT payments that could disrupt your working capital. Spread the cost into manageable monthly instalments that fit your revenue cycle.
Support Business Growth
Keep funds available for other key areas such as stock, payroll, or investment opportunities. VAT loans help you maintain liquidity and focus on growth.
Flexible Financing Options for Every Business
At Approved, we understand that every business has different financial needs - that’s why we offer a range of funding solutions to help you maintain healthy cash flow and achieve your goals. We offer business loans, both secured and unsecured, as well as loans for small businesses.
Unsecured Business Loans
An unsecured business loan is financing based on your business’s potential and creditworthiness, no collateral required. That means your assets stay safe while you access the funds you need to grow.
Why choose an unsecured loan?
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No Collateral Required: Your property, equipment, or other assets stay protected.
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Fast & Simple Approval: Without collateral, approvals are quicker and less complicated.
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Flexible Use of Funds: Use the money for expansion, inventory, marketing, or cash flow management.
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Peace of Mind: Enjoy hassle-free access to funds without risking your business assets.
Application Process
Get Approved, Get Going!
Discover our streamlined process for securing tailored financial solutions. We keep our business finance options transparent, with no hidden fees or unpleasant surprises. This is business finance made easy. Our no-obligation application won't impact your credit score.
Fast Application in Seconds
Share basic information about you, your business and finance requirements by applying online or calling.
Understanding Your Business
A dedicated account manager will discuss your requirements and gather necessary documentation.
Receive Your Free Quote
We'll discover the best deals, handle applications for you, and provide a quote with no obligations.
Get Your Funds Fast
Once Approved, we'll get funds to your preferred business bank account or pay a supplier on your behalf.
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FAQ
Your most common questions answered...
Got questions? We've got the answers... See below the our most commonly asked questions! If you still need help then be sure to get in contact and we'll be happy to help.
How do VAT loans work?
VAT loan is simply a short-term business loan (usually unsecured) that is used specifically to pay a company’s VAT liability. A short-term business loan is a flexible financing option designed to provide your business with quick access to cash, typically repaid over 3 to 12 months.
Who is eligible?
Most UK-registered businesses can qualify for a VAT loan, as long as they can demonstrate the ability to repay the borrowing. Get in touch to find out if you business is eligible.
How quickly can I get a VAT loan?
Even if your credit history isn’t perfect, your business may still qualify. Lenders assess your trading history, cash flow, and overall financial stability rather than focusing solely on credit score.
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Explore previous case studies of successful deals with our valued clients and unlock insights into our proven track record. Access a large selection of product guides and approved articles detailing industry trends, best practices, and innovative finance solutions.
You are just minutes away from making it happen!
Highly Competitive Rates
Fast Application Process
Borrow between £10K - £10 Million
No effect on your credit score
Rosie-Kay Newbury
Credit Partner
Approved Business Finance Ltd is an independent asset finance brokerage and a credit broker, not a lender. We work with a panel of lenders to find suitable finance options for your needs. If you enter into an agreement with a lender, typically we will receive commission for introducing you to them. We are committed to delivering high standards of service and handling any concerns promptly. Approved Business Finance Ltd is authorised and regulated by the Financial Conduct Authority, FRN 1020031. ICO Registration Number: ZB424677. Registered in England and Wales (Company No. 11914104). Registered office: Seebeck House, Seebeck Place, Milton Keynes, MK5 8FR.
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