VAT Loans – Spread Your VAT Payments With Confidence

When your VAT bill arrives, it doesn't have to drain your business bank account. At Doulton Bridging Finance, our VAT loans give you the breathing space to pay HMRC whilst protecting your working capital and keeping your business moving forward.

With rates starting from just 6.9% APR and loan amounts from £10,000 to £5 million, we provide quotes for fast, flexible VAT funding that works around your business needs – not against them. Our service will get the best quotes from our panel of specialist lenders.

Why Choose a VAT Loan?

Your VAT obligation is a fact of business life, but the timing doesn't always align with your cash flow. Perhaps you've invested in stock, taken on a large project, or simply hit a seasonal low. A VAT loan bridges the gap between what HMRC expects and what your cash flow can comfortably manage.

Key Benefits:

• Protect your working capital for day-to-day operations

• Avoid dipping into reserves earmarked for growth

• Spread VAT payments over 3-12 months

• Fast approval – often within 24-48 hours

• Competitive rates from 6.9% APR

• Keep supplier relationships strong by maintaining payment schedules

How Our VAT Loan services Works

We've made the process straightforward because we know you're busy running a business:

Step 1: Quick Application Call us or complete our online form. We'll need basic business information and details of your VAT liability.

Step 2: Rapid Assessment Our team reviews your application, typically within hours. We look at your business viability, not just credit scores.

Step 3: Competitive Quote Receive a clear quote with no hidden fees. You'll know exactly what you'll pay and when.

Step 4: Fast Funding Once approved, funds can be transferred directly to HMRC or your business account within 24-48 hours.

Step 5: Flexible Repayment Make monthly repayments that suit your cash flow over your chosen term.

Who Can Apply?

Our VAT loan service is available to:

• Limited companies

• LLPs and partnerships

• Sole traders (for larger loan amounts)

• Businesses trading for 12+ months

• Companies with upcoming or recent VAT bills

We assess each application individually, considering your business's unique circumstances and potential.

Loan Amounts and Terms

Loan Amount: £10,000 to £5,000,000 Repayment Terms: 3 to 12 months APR: From 6.9% Arrangement Fees: Transparent and competitive Early Repayment: Available on most facilities

VAT Loan Compared to Time to Pay

While HMRC's Time to Pay arrangement can work for some businesses, it comes with drawbacks:

• Approval isn't guaranteed

• Can trigger credit rating issues

• May lead to increased HMRC scrutiny

• Limited flexibility on terms

• Can affect future borrowing

Our VAT loans offer a commercial alternative that keeps your relationship with HMRC clean and your business operations unaffected.

Industries We Serve

We provide VAT loans across all sectors, with particular expertise in:

• Construction and trades

• Retail and e-commerce

• Import/export businesses

• Manufacturing

• Professional services

• Hospitality and leisure

• Technology companies

• Healthcare providers

Why Doulton Bridging Finance?

Specialist Expertise: We focus exclusively on business funding, with deep experience in tax-related finance.

Decision Makers In-House: No distant head offices or automated systems. Real people who understand business.

Relationship-Based: We're not just a transaction. We're here to support your business long-term.

Transparent Pricing: Clear rates from 6.9% APR with no nasty surprises.

Fast Turnaround: When HMRC deadlines loom, we move quickly to help you meet them.

Get Your VAT Loan Quote Today

Don't let VAT payments disrupt your business growth or strain your cash flow. Our team is ready to provide a competitive quote tailored to your needs.