VAT Loans

Short-term funding to spread a quarterly VAT liability rather than settling it in a single payment.

VAT Loans

Spreading a quarterly liability without straining cash flow

VAT on a commercial property purchase is often overlooked until late in a transaction. We can arrange funding for it alongside the main facility so a completion is not delayed.

We Structure

Why VAT Loans Requires the Right Lender

What we arrange

  • Facilities covering quarterly VAT bills
  • Repayment typically over 3 to 12 months
  • Unsecured options for established businesses
  • Funding for VAT on commercial property purchases

Who this is for

  • Businesses managing large quarterly liabilities
  • Companies preserving working capital
  • Buyers of commercial property facing VAT on purchase

How London FS helps

VAT on a commercial property purchase is often overlooked until late in a transaction. We can arrange funding for it alongside the main facility so a completion is not delayed.

Important information

The Financial Conduct Authority (FCA) does not regulate some forms of Buy To Let, Commercial & Development Finance, Bridging Finance, Overseas/Foreign National Mortgages and Will Writing.

Dhavi Limited (trading as London FS) is authorised and regulated by the Financial Conduct Authority — firm number 628993. Registered in England, company number 7301914. Registered office: 7 Bell Yard, London, WC2A 2JR.

Clock

HMRC Settled in Full

Protects your compliance record, unlike a Time to Pay arrangement.

Key person

VAT on Property Purchase

Often overlooked until late in a transaction. We fund it alongside.

Clipboard list

Repayment Over 3 to 12 Months

Spreading the liability across the quarter rather than a single hit.

Why Choose Us

Why VAT Loans with London FS?

VAT Loans requires more than access to lenders. It requires accurate interpretation of your circumstances and placement with a lender that genuinely understands them.

VAT on a commercial property purchase is often overlooked until late in a transaction. We can arrange funding for it alongside the main facility so a completion is not delayed.

Timeline

Unsecured Options

Available for established businesses without charging assets.

Clock

Reclaim Timing Understood

Facilities structured around when the VAT will actually be recovered.

Target

Arranged Quickly

Deadlines are fixed, so speed is built into how we handle these.

Our Clients

Who Benefits from VAT Loans

Businesses With Large Liabilities

Companies Preserving Working Capital

Commercial Property Buyers

Testimonials

Client Experiences That Speak for Themselves

Contact Us

Settle VAT Without the Cash Flow Hit

Short-term funding to spread a quarterly VAT liability rather than settling it in a single payment.

Our Services

Related Commercial Finance Services

Our Commercial Finance services are structured around real client circumstances rather than product categories, with independent advice across the whole of market.

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Latest Financial News & Blogs

FAQ

Frequently Asked Questions on VAT Loans

Is this the same as a Time to Pay arrangement?

No. A VAT loan settles HMRC in full; Time to Pay is an arrangement directly with HMRC.

Settling on time via a facility generally protects your compliance record.

Yes, and it is usually reclaimable, making a short-term facility well suited.

Often within 48 to 72 hours, which suits the fixed nature of VAT deadlines.

Usually not for established businesses, though a director guarantee is common.

Yes. Similar short-term facilities are available for other HMRC liabilities.

A full application leaves a footprint, but settling HMRC on time protects your compliance record.

It is still often possible, though existing arrears narrow the lender group considerably.

Your accountant can confirm the treatment for your business. We do not provide tax advice.