This calculator is for illustrative purposes only and does not constitute a formal offer. Actual rates may vary based on your business profile and credit status.
What is VAT Loan?
A VAT Loan can help your business pay its quarterly VAT bill to HMRC without having to fund the full amount from working capital at once. The lender pays the agreed VAT liability directly to HMRC on your behalf, and you repay the loan over an agreed term through manageable monthly repayments.
This can help protect cash flow and keep funds available for the day-to-day running and growth of your business.
VAT Loan Calculator
Use our calculator to get an indication of what your monthly repayments could look like. Simply enter the amount of your VAT bill and select your preferred repayment term to get an estimate.
Protect You Cash Flow
Keep working capital available
in your business
in your business
Flexible Repayments
Spread your VAT liability over
manageable monthly payments
manageable monthly payments
Fast & Straightforward
Get your result in seconds
Who Can Use This Calculator
- UK businesses with a VAT liability due to HMRC
- Limited companies, sole traders and partnerships
- Established business looking to spread the cost of a VAT payment
- Businesses looking to preserve working capital rather than paying their VAT liability in one lump sum
Who Shouldn’t Use This Calculator
- Individuals looking for personal finance
- Businesses that aren’t VAT registered
- Businesses looking to finance other HMRC liabilities - contact us to discuss available options
- Businesses already in significant arrears with HMRC - speak to us first so we can assess the position
What You Need to Apply
Applying for VAT finance is quick and straightforward. To get started, it helps to have the following information available:
- Your business details
- The amount of your VAT liability
- Your preferred repayment period
- Details of when the VAT payment is due
- Your latest business bank statements, if requested by the lender
Don’t worry if you don’t have everything available straight away. We’ll guide you through the process and only ask for the information needed to assess your application.
Get Your Asset Finance Quote
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.
Frequently Asked Questions
It gives a helpful estimate, but your exact rate depends on your circumstances. Get in touch for a personalised quote.
No — using the calculator is completely safe and doesn’t run any credit checks.
In many cases, funding can be arranged within 24–72 hours once approved.
Yes — we’ll explain your early repayment options clearly before you sign anything.
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