Cardiff companies can bridge the gap before VAT deadlines hit with simple, short-term funding to avoid HMRC penalties and cash stress.
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VAT liabilities can place a significant strain on business cash flow, especially for SMEs and growing firms in Cardiff. When the quarterly VAT deadline approaches, many companies find themselves juggling payments, delaying investments or dipping into reserves.
Our VAT loan allows you to spread the cost of your VAT bill for three months, freeing up capital for day-to-day operations. This can be particularly helpful for businesses with seasonal income or those experiencing rapid growth.
We’ve helped companies across Cardiff — from tech startups in Roath to wholesalers in Splott — to manage their VAT obligations without disrupting their operations. Whether you’re paying £10,000 or £2,000,000 to HMRC, we can arrange fast, competitive funding with predictable monthly payments.
Our process is streamlined and efficient. You’ll receive a quote within hours and, once approved, the loan can be paid directly to HMRC or into your account for onward payment. This ensures you stay compliant while maintaining full control over your business finances.
VAT loans are a smart tool for managing cash flow, reducing stress and avoiding penalties. If your Cardiff business is approaching its VAT deadline, get in touch for a free, confidential discussion about your options.
Fill out the form below or call us at 0330 027 0433 for more details and we'll get in touch to discuss your options.
Yes, it ensures HMRC is paid on time, even if your cash is tied up elsewhere.
Yes, we help contractors and developers manage VAT due on large projects.
We work with lenders who consider overall affordability, not just your credit rating.
Yes, many options range from 3 to 12 months depending on your needs.
Fill out the form below or call us at 0330 027 0433 for more details
and we’ll get in touch to discuss your options.
We analyze your business profile to match you with
the right finance—fast and fee-free.
MacManus Asset Finance Ltd is authorised and regulated by the Financial Conduct Authority, FRN: 821663. MacManus Asset Finance Ltd is an authorised credit broker and not a lender. We work with a panel of lenders whose particulars will be supplied upon request to find a potentially suitable arrangement for your consideration. ICO registration Z9484665 and you can check via www.ico.org.uk MacManus Asset Finance Ltd, registered at Ground Floor, Unit 5 De Clare Court, Pontygwindy Road, Caerphilly, CF83 3HU. Company Register number is 05785432. We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: percentage of the amount you borrow and rate for risk (this is based on the risk profile of the business). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.