Managing VAT bills can be challenging for many businesses, particularly during busy trading periods or when cash flow is tight. At Percy Finance, we work as a specialist broker to introduce you to a range of trusted lenders who can provide VAT loan facilities designed to help you spread the cost of your HMRC VAT obligations.

A VAT loan is a short-term finance facility designed to help businesses manage VAT payments to HMRC. Instead of using working capital, you can spread the cost of your VAT bill over a fixed term, typically up to 3 months. This can help you maintain cash flow and keep other areas of the business running smoothly.

• Spread VAT payments: Typically over 3 months (subject to lender terms).
• Helps manage cash flow: Retain working capital for business operations.
• Available to a range of businesses: Limited companies, partnerships, and sole traders (subject to lender criteria).
• No disruption to your VAT payments: Lenders usually pay HMRC directly on your behalf.

All applications are subject to the lender’s eligibility criteria, credit checks, and affordability assessments.

VAT loans can be suitable for businesses of all sizes that wish to better manage cash flow. Common sectors that may benefit include:

• Construction and trades – businesses with seasonal revenue or large supplier payments.
• Retail and e-commerce – companies balancing stock purchases and VAT liabilities.
• Professional services – firms with long client payment cycles.
• Hospitality and leisure – businesses with fluctuating income throughout the year.

• Access to a panel of reputable lenders – we work with a wide range of providers.
• FCA-authorised broker – offering a transparent, compliant service.
• Experienced team – guiding you through the full application process.
• Fast and efficient introductions – helping you secure a suitable lender quickly.