Vat Loans | Bespoke VAT Funding

VAT loans are a type of business funding used to pay VAT bills and reduce the impact of costly late payment fines. Using VAT finance can spread the cost of a VAT bill and improve company cash flow, which in turn can allow for increased competitiveness, growth and expansion.

We assist companies and borrowers to increase their spending power by obtaining the best funding options and facilities, quickly and efficiently, whilst ensuring your company requirements are fully catered for.

VAT loans and Funding Loan Amounts

VAT Loan Amounts and Funding Terms

VAT Loan terms between 3 months and 5 years with fixed monthly payments.

Funding amounts for VAT finance between £2,000 to £10 Million

VAT loans and Funding Loan eligibility


  • Looking for fast and flexible finance options?
  • Has your business been trading for more than 1 year?
  • Are you seeking fixed monthly repayments on a rolling facility?
  • Do you have the last 3 months of your business bank statements?
  • Do you have your latest filed accounts?
  • Do you have a HMRC Bill?
  • Seeking a business loan/facility over £2,000?
  • Are you a UK registered Sole Trader, Partnership, Limited Company or LLP?
apply for VAT loans and Funding Loans


Quick and simple to arrange loans, we will contact you within 4 workings hours of your enquiry.

Apply Vat finance with decisions in as little as 24 hours.

vat loan funding

The Benefits of VAT Loans

There are many benefits associated with the use of VAT funding, such as

With HMRC imposing a fine of up to 15% of your bill for late or non-payment of VAT bills, the use of a VAT loan can reduce the impact and increase your spending power.

Given the current economic climate, we feel that offering fixed monthly payments over 3 months to 5 years terms, can give you a vital cash injection, which in turn can give you the competitive edge by allowing existing funds to be used elsewhere within your organisation. If your company does not have enough time to pay it's VAT bill, the use of finance facility can be tax efficient funding, as your repayments may be offset against taxable profit.

Avoid the potentially costly penalties of late payment on your VAT bills, a fixed monthly repayment loan can allow you to utilise your cash flow more effectively whilst avoiding costly penalties.

RLA Capital can offer specially tailored VAT loans designed to help your company manage its cash flow more effectively.

With a wide range of versatile funding solutions available, we can help source the most suitable funding facility to meet your requirements with access to some of the best facilities on the market we feel we can be competitive against any genuine quote.

Frequently Asked Questions

How long does it take before I get decision on my VAT finance application?

As little as 24 hours in most cases.

How long can you spread a VAT loan over?

Typically 3 months as in almost all cases there is a VAT bill to pay every quarter.

Can a VAT loan be taken every quarter?

Yes, credit depending (note you’re not obliged to take the facility every quarter).

Can I finance my VAT bill after I have paid it?

Yes, you can finance your VAT bill up to 14 days after after you have paid it.

Can I finance a VAT bill after the VAT due date?

Yes, you can finance a VAT bill up to 14 days after its due date.

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