Quick VAT Bridging Solutions from £25,000 - £10 Million+

Don't let VAT payments hold up your commercial property purchase. Doulton Bridging Finance provides fast, flexible VAT bridging loans to cover the 20% VAT charge on commercial property transactions, with funding available in as little as 5-7 days.

What is a VAT Bridging loan?

A VAT bridging loan is specialist short-term finance designed to cover the VAT element (20%) due on commercial property purchases. When buying VAT-elected commercial property in the UK, the VAT payment can create significant cashflow challenges. Our VAT bridging loans provide immediate funding to complete your purchase, typically repaid within 3-4 months once you reclaim the VAT from HMRC.

Key Benefits of VAT Bridging Loans:

• Up to 100% VAT funding - Cover the full 20% VAT charge

• Fast completion - Funding available in 5-7 days

• Flexible loan amounts - From £50,000 to £10 million+

• Short-term solution - Usually 3-4 months until VAT reclaim

• No early repayment penalties - Pay back as soon as HMRC processes your claim

• Competitive rates - Tailored pricing for your specific requirements

When do you need a VAT Bridging loan?

VAT at 20% is charged on:

• New commercial property purchases

• Properties where the seller has elected to charge VAT

• Commercial developments and refurbishments

• Mixed-use properties with commercial elements

Common Scenarios:

• Cash flow gaps - Bridge the period between purchase and VAT reclaim

• Auction purchases - Fast funding for commercial property auctions

• Development projects - Cover VAT on construction and materials

• Investment opportunities - Don't miss time-sensitive deals due to VAT requirements

• Portfolio expansion - Maintain liquidity while growing your commercial property portfolio

How VAT Bridging loans work

1. Property Purchase - You identify a commercial property subject to VAT

2. Loan Application - Apply for VAT bridging finance to cover the 20% charge

3. Fast Approval - Decision within 24-48 hours

4. Complete Purchase - Funds released in 5-7 days to complete your transaction

5. VAT Reclaim - Submit your VAT reclaim to HMRC (typically processed within 30-120 days)

6. Loan Repayment - Repay the bridging loan once HMRC refunds your VA

Loan Amounts

• Minimum: £50,000 (VAT on £250,000 purchase)

• Maximum: £10 million+

• Up to 100% of VAT liability covered

Loan Terms

• Duration: Typically 3-4 months (up to 12 months available)

• Repayment: Usually interest-only with capital repaid on exit

• Security: First or second charge on commercial property

Interest Rates

• Competitive rates from 0.65% per month

• Risk-based pricing tailored to your specific circumstances

• Transparent fees with no hidden charges

Eligibility Criteria

Property Requirements:

• Commercial properties subject to VAT

• Located in England, Scotland, or Wales

• Clear legal title with good commercial prospects

Borrower Requirements:

• UK-based businesses or individuals

• Proof of ability to service interest payments

• Evidence of VAT registration

• Clear exit strategy (HMRC VAT reclaim)

Documentation Needed:

• Property purchase contract showing VAT liability

• VAT registration certificate

• Recent financial statements

• Property valuation (if required)

• Legal representation details

Why choose us?

Speed & Efficiency

• 24-48 hour decisions on most applications

• 5-7 day completions from approval to funds

• Streamlined process designed for time-sensitive deals

Expertise & Experience

• Specialist VAT knowledge - We understand commercial property VAT

• Dedicated relationship managers for personalised service

• Proven track record in complex commercial finance

Flexible Solutions

• Bespoke structures tailored to your specific needs

• Multiple exit strategies beyond just VAT reclaim

• Competitive terms with transparent pricing

Professional Service

• Direct lender - No lengthy broker chains

• Legal panel of experienced commercial property solicitors

• Regular updates throughout the application process

Get your fee VAT Bridging loan quote

Don't let VAT payments delay your commercial property purchase. Our experienced team can provide a no-obligation quote within hours and have funds available within days.

What happens next:

1. Free consultation - Discuss your requirements with our VAT specialists

2. Tailored proposal - Receive a competitive quote within 2 hours

3. Fast approval - Decision within 24-48 hours

4. Quick completion - Funds available in 5-7 days