Ease the Pressure of Your VAT Bill – Flexible Funding Options Now Available

Are you feeling the strain of your upcoming VAT bill?

Already in a Time to Pay (TTP) arrangement and unable to extend it further?

We understand that cash flow pressures are a constant challenge, especially in today’s environment. That’s why we’re offering tailored VAT loan solutions to help you spread the cost of your liability – over 3, 6, 9, or even 12 months.

Why Consider a VAT Loan?

Rather than paying your VAT in one large lump sum, a VAT loan allows you to manage the cost in predictable monthly instalments, helping you:

Protect working capital and keep cash flowing through your business
Avoid late payment penalties and interest charges from HMRC
Reduce stress by ensuring VAT is paid on time, often directly to HMRC on your behalf
Access flexible terms to suit your business – 3, 6, 9 or 12 months

What Happens if You Pay VAT Late?

Up to 15 days late No penalty if you pay the VAT in full or agree a Time to Pay (TTP) arrangement by day 15.
16 to 30 days late A 3% penalty is charged on the VAT you owed at day 15.
31 days or more late An additional 3% penalty is charged on the VAT still unpaid at day 30 (total 6%). Late payment interest is also charged daily, starting from the day your payment was due.

Interest rate: – Currently Bank of England base rate + 4% (e.g. 8.25% if base rate is 4.25%).

Already in a Time to Pay Arrangement?

If your TTP is already in place and fully utilised, a VAT loan can provide supplementary funding, enabling you to remain compliant while protecting your liquidity.

How It Works

We work with trusted, specialist funders who can often pay HMRC directly

You repay the loan (plus any fees) in equal monthly instalments

You choose the term: 3, 6, 9 or 12 months—whichever best suits your cash flow

Let’s Start the Conversation

Our team is here to support your business with practical advice, tailored solutions, and expert insight. Whether you need guidance, funding options, or simply want to explore what’s possible, we’re ready to help. Get in touch today and discover the difference of working with a team that puts your goals first.

Published 16 July 2025

Get in touch

If you would like any further information or guidance, please leave your details below and a relevant member or the team will contact you.

Interesting Article

Share and discuss

Relevant life cover: the most tax‑efficient way to protect your people

Relevant Life Cover provides businesses with a tax-efficient way to protect directors and key staff. Premiums are paid by the company, and families receive a tax-free lump sum, enhancing staff benefits and retention.

Prioritise your health with Private Medical Insurance

For many people across the UK, struggling to secure a GP appointment through the NHS has become an all too familiar experience. When you then factor in long waiting times […]

You’ve won your biggest order yet. Now what?

You’ve just landed the biggest order your business has ever received. The only problem? Your supplier wants paying 60 days before your customer settles their invoice. Suddenly, what should feel […]

Broker’s Perspective: Making Unsecured Business Finance Work for Your Growth

One trend we have noticed recently is that more business owners are starting funding conversations earlier than ever before. It’s not always because they need finance immediately. More often, it’s […]

Is Outdated Equipment Holding Back Your Business Growth?

For many businesses, equipment is the backbone of day to day operations. Whether it’s manufacturing machinery, construction plant, commercial vehicles, IT infrastructure or specialist technology, having the right equipment in […]

Broker’s Perspective: The Best Property Deals Start Before You Find the Property

In property finance, timing really does matter. One thing we have noticed more and more recently is that many businesses and investors begin looking at finance only after they’ve found […]

What is Vendor Finance? A Smarter Way to Support Business Growth

Vendor finance is a structured funding solution that allows suppliers to offer customers flexible payment terms, backed by a third-party finance provider. Instead of the supplier waiting months to be […]

Unlocking Growth: A Practical Guide to Trade Finance for Modern Businesses

Do you import or export goods? Do you hold stock, rely on suppliers, or operate within a complex supply chain? If so, you’ll understand how difficult it can be to […]

Understanding Invoice Finance and How It Supports Business Growth

For many businesses, particularly those offering credit terms to customers, cashflow can quickly become stretched by the gap between raising an invoice and actually receiving payment. Even profitable businesses can […]

Unlocking Growth Through Caravan Park Finance

How specialist funding can help caravan park owners refinance, expand, and develop their sites… The UK holiday park and caravan sector has experienced significant growth in recent years, driven by […]