A Legitimate Introduction from VATLoans.co.uk

If you have recently received a call from 01494 956 871, this was a genuine introductory call from VATLoans.co.uk, a UK-based VAT finance provider.

From 9th March 2026, we are contacting accountancy firms across the United Kingdom as part of a structured outreach programme to introduce our specialist VAT loan services for UK businesses.

This page has been published for full transparency, so accountants can verify who we are and why we may be contacting your practice.

Calls From 01494 956 871 Are Legitimate

Telephone calls made from 01494 956 871 are official calls from VATLoans.co.uk, a trading name of Tax Funding Limited.

If you search this number online, you may see this page — that is intentional. We want firms to be able to confirm:

• The call is genuine

• It is not spam

• It is not a scam

• It is not an automated AI system

All calls are made by real team members introducing our VAT funding services.

You are always welcome to call us back directly on 01494 956 871 to verify the conversation.

What Is VATLoans.co.uk?

VATLoans.co.uk provides short-term business finance to help UK companies spread the cost of their HMRC VAT liabilities over manageable monthly payments.

Rather than paying a full quarterly VAT bill in one lump sum, eligible businesses can:

• Spread payments over an agreed term

• Protect working capital

• Avoid unnecessary cash flow pressure

• Reduce the need for HMRC Time to Pay arrangements

We work alongside accountants — not in place of them.

Why We Are Contacting UK Accountants

Every quarter, thousands of UK businesses experience cash flow strain when VAT payments fall due.

However, awareness of specialist VAT finance remains relatively low.

Our outreach programme aims to:

• Introduce VAT loan funding as an additional client solution

• Explain how the facility works

• Offer accountants a transparent funding partner

• Provide a structured alternative to HMRC Time to Pay

We are not replacing existing banking relationships. We simply offer an additional funding option when clients need flexibility.

Who Is Behind VAT Loans UK?

VATLoans.co.uk is a trading name of Tax Funding Limited, part of the WestWon Group.

Our financial heritage dates back nearly 50 years.

Our asset finance history began on 25 June 1976 with the acquisition of Power Leasing Limited, now known as:

WestWon Leasing Limited
Company Registration Number: 01265442

Additional group entities include:

• Tax Funding Limited – Company Registration No. 04855916

• WestWon Limited – Company Registration No. 05282535

WestWon is an established and respected provider of asset finance in the UK market.

Tax Funding Limited builds on that experience, focusing specifically on helping UK businesses manage VAT liabilities through structured VAT loans.

We are a legitimate UK-based financial services business operating under UK management and compliance standards.

Why You May Hear a South African Accent

Our outbound calling team is based in Cape Town, South Africa.

They are fully trained representatives operating under UK compliance guidelines and management oversight.

They are:

• Real people

• Professionally trained

• Representing VATLoans.co.uk directly

There are no automated robocalls or AI bots.

What to Expect on the Call

If your firm receives a call, it will typically include:

• A brief introduction to VATLoans.co.uk

• An explanation of how our VAT loan facility works

• A simple question about whether further information would be helpful

There is absolutely no obligation.

If the service is not relevant to your practice, simply let us know.

How to Verify VATLoans.co.uk

You can independently verify us by:

• Visiting: https://www.vatloans.co.uk

• Visiting: https://www.westwon.co.uk

• Searching Companies House for our registered entities

• Calling us directly on 01494 956 871

• Emailing: [email protected]

We welcome due diligence and transparency.

How VAT Loans Support Accountants and Their Clients

VAT funding can help:

• Protect client working capital

• Avoid last-minute borrowing

• Reduce pressure before VAT deadlines

• Provide structured, predictable repayments

Our objective is to build long-term relationships with UK accountancy firms by offering a straightforward and transparent funding solution.

Frequently Asked Questions

Is 01494 956 871 a scam number?

No. This is the official telephone number of VATLoans.co.uk, a trading name of Tax Funding Limited.

Are VATLoans.co.uk calls automated?

No. All calls are made by trained team members.

Is VATLoans.co.uk FCA regulated?

Tax Funding Limited is an Appointed Representative of WestWon Limited, which is authorised and regulated by the Financial Conduct Authority, Registration Number 738235.

Is this replacing HMRC Time to Pay?

No. VAT loans are simply an additional funding option that may suit some businesses.

Can I request not to be contacted?

Yes. Please email [email protected] and we will respectfully remove your details from our database.

Prefer to Contact Us First?

If you would prefer to speak to us proactively, please call:

01494 956 871
Email: [email protected]

Our UK directors and senior management team are available should you wish to speak directly

In any business venture, financing is one of the most critical driving forces behind its success or failure. As a business owner, you need to weigh up all the available options to decide what works best for your company. In this blog post, we’ll be exploring the pros and cons of VAT loans vs. traditional financing.

Pros of VAT Loans:

1. Instant Cashflow without Interest Charges

One of the most significant advantages of a VAT loan is that it enables you to forward your VAT returns without facing penalties or charges. Typically, businesses have to pay interest charges, especially if they have outstanding payments. With VAT loans, you’ll receive the money instantly, which helps avoid interest charges and penalties.

2. No Requirement for Security

Unlike traditional financing, VAT loans don’t require collateral. The business doesn’t need to provide any security or put any assets on the line. In other words, if the business is unable to pay, there’s no risk that they’ll lose any assets.

Cons of VAT Loans:

1. Limited Purpose Loan

A significant disadvantage of a VAT loan is that it’s only designed to cover VAT bills. It’s not intended for other expenses such as business expansion, capital improvements or payroll. Nonetheless, for short-term solutions that require immediate cash, VAT loans are an excellent option.

2. Some Providers have Limitations

While VAT loans are an innovative form of lending for businesses, not all companies offer this service. The availability of VAT loans to your business depends on the provider and their conditions.

3. High Interest Rates

The cost of borrowing remains one of the significant challenges of VAT loans. Although rates vary depending on the lender and the borrower’s credit rating, they can be higher than with traditional financing. As a business owner, you must be prepared to pay a higher interest rate if you opt for this type of financing.

Contact Us

While both VAT loans and traditional financing have their respective pros and cons, in the end, it all depends on a business’s specific situation, financial status and goals. It’s essential to consider carefully which form of financing is right for your endeavour. If you would like more information on the pros and cons of VAT loans vs. traditional financing then please contact us.

One financial aspect that business owners must understand is VAT financing. Whether you’re a new business owner or a seasoned one, navigating through the complexities of VAT financing can be quite challenging. If you’re struggling to manage your VAT or looking for ways to maximize cash flow, this blog outlines some useful tips and strategies to help in navigating VAT financing with ease, as well as the tips and strategies needed.

Understanding your VAT:

The first step in navigating VAT financing is understanding your VAT. By law, businesses must collect VAT on behalf of HMRC and ensure that it is paid promptly. However, not all VAT is equal. Depending on the type of business you run and the industry you’re in, your VAT liability may vary. Therefore, it is essential to understand the VAT you’re required to pay and how it impacts your cash flow. Keep track of your VAT return deadlines and payments to avoid any penalties.

VAT Financing Options:

One of the most useful strategies to improve cash flow is to use VAT financing options. Some businesses opt to finance their VAT payments by borrowing from banks, traditional lenders or using invoice discounting to obtain funds through unpaid invoices. There are also other flexible VAT finance options available in the market. It is essential to research the different VAT financing options and choose one that works best for your business.

Maximizing Cash Flow:

Another way to manage your VAT financing is to maximize your cash flow. One strategy is to ensure timely invoicing and to minimize invoice payment delays. By offering incentives to customers for paying invoices early, businesses can speed up cash inflow. Other measures include reviewing and optimizing inventory management, streamlining purchasing processes, and reducing operational costs. Capitalizing on opportunities to maximize your cash flow can help you alleviate the stress of VAT payments.

Accessing Professional Advice:

While navigating VAT financing can be overwhelming, seeking professional advice can significantly benefit your business. By working with a reputable and experienced VAT expert, you can develop a comprehensive VAT management plan tailored to your business’s needs. A VAT expert can help you understand the different VAT finance options available and offer guidance on maximizing cash flow, VAT recovery, and compliance issues.

Effective VAT financing is essential for businesses to manage their finances successfully. By understanding your VAT, exploring VAT financing options, and maximizing cash flow, you can ensure that your business runs smoothly and efficiently. VAT recovery and accessing professional advice further enhance your VAT financing strategy. Contact us today to find out more information about navigating VAT financing: tips and strategies.

VAT Loans and HMRC VAT Time to Pay arrangements. Whilst both are great ways to relieve cashflow pressures in your business, it may not be clear which is the best option for you. In this article, we’ll compare a VAT loan to an HMRC TTP agreement. Whilst our domain name indicates that we specialise in VAT loans, we’ll strive to present an impartial perspective.

What is a HMRC TTP arrangement?

If you owe debt to HMRC—whether it’s PAYE, Corporation Tax, personal tax, or VAT—you can contact HMRC directly to pay the tax bill over a period of time. This arrangement can span from one month to five years, depending on the type of debt and your circumstance. Typically, you’ll make the request over the phone, and an HMRC representative can often finalise the details during the call. Once you agree on the terms, HMRC will establish a direct debit and send you a confirmation letter. So, if the process is so straightforward, why doesn’t every company choose this option?

Benefits of TTP arrangement

1. No personal guarantee needed. When you sign a TTP, HMRC do not require a personal guarantee. For many of our customers – excluding larger companies and certain professions like architects, accountants and solicitors – we would require a personal guarantee.
2. The HMRC interest rates are lower than VAT loans.
3. HMRC may grant a longer repayment term for the VAT bill, i.e. a period of six months to a year instead of three months when we arrange a VAT loan.
4. Once you get through to HMRC, it can be quick for them to agree the facility. In comparison, a VAT loan may take 24-48 hours to arrange.
5. HMRC do not carry out a credit check. They will not ask for management accounts, bank statements etc.

Issues with a TTP arrangement and benefits to a VAT loan

1. You may not be granted a TTP if you already have HMRC debt elsewhere or an existing TTP in place.
2. Often, just getting through to HMRC can be challenging, stressful and time consuming.
3. There are times when it makes sense to pay more for a VAT loan, such as when you chose not to use a TTP arrangement now to have it as an option in the future.
4. When HMRC charge your company interest for late payments, it’s considered a penalty. In summary, your company cannot claim Corporation Tax relief on the interest you pay them. However, you can reclaim Corporation Tax relief on interest paid on a business loan, effectively making a VAT loan 25% cheaper.
5. HMRC will send yet another ‘brown envelope’ out to you with details of the repayments being taken via direct debit. Many employers do not like this.
6. Funders of leasing and business finance look carefully at bank statements for regular rounded payments to HMRC. For example, £2,000.00 going out every month to HMRC on the 1^st of the month falls outside of normal PAYE and VAT repayments. This can potentially lead to you getting refused for loans elsewhere. The funder would also see a fixed regular repayment going out to a finance company like ours. They would also know there is a loan in place.
7. Once you have paid your VAT loan in full and on time, it is a lot easier to get a secondary loan facility since funders will see a positive repayment history.
8. The timing of your call can impact the fines you incur. The fine starts at 2%, but rises to 4% of the bill if you have not paid after one month. Currently, the interest HMRC charge is 7.5%. (Bank of England base rate plus 2.5%) The best solution is to either pay them on time or sort out a TTP arrangement prior to the bill being due. While you will still need to pay the interest, no fines will be applied.

For more information on VAT Loans, or if you’d like to discuss your options with us, please contact a member of the team on 01494 956 871 or email us on [email protected].

This year in the UK,10,400 firms of solicitor’s will bill circa £50bn in fees and collect £10bn in VAT for HMRC. This is expected to grow to £53bn in 2025 and over £60bn in 2027. Even after taking into account input VAT, that is a massive amount of VAT paid to HMRC.

Whilst there may be mutterings that your finance teams are unpaid tax collectors, paying HMRC every quarter can sometimes be challenging. The more successful you are, the greater your billings, the more your quarterly VAT bill is. Added to this is the issue of work in progress. Your unbilled work does not attract VAT, but the wages and other associated business costs still have to be met very month.

Solicitors in the main are very diligent about paying their HMRC VAT bills on time every quarter. This is one of the reasons why VAT financing for solicitors is so popular.

So what is HMRC VAT financing and how does it work?

It is actually a very simple loan product that has been around for many years. Let’s take an example of a legal practice with a £50,000.00 VAT bill due on the 7^th of November 2024.

Go onto our free VAT loan calculator on the VAT Loan page of our website. Put in £50,000.00 as your VAT bill. It will calculate exactly what the monthly repayment will be over three months, in this case, £17,618.33 per month, giving a total to be repaid of £52,855.00. We do not ask for your company name, we do not track your IP address, this is completely confidential.

Assuming you would like to proceed, we carry out a credit check and communicate back normally within 48 hours with a credit acceptance. A simple e-signature document is sent to you for signing. Our funder will pay HMRC on or before the 7^th November using your VAT number as a reference. You then make three monthly repayments starting on the 7^th December. Once the final payment has been paid on the 7^th February that is the end.

Using the example above, can we just fund some of the VAT bill?

Yes, we can fund from £10,000.00 and you settle the difference. Our funder would look for confirmation you have paid the balance between the VAT bill and the loan.

What information is needed?

Last three months bank statements, latest full set our company accounts if you are filing abridged accounts at Companies House. Directors’ details and a copy of the VAT bill. Management accounts may be needed.

It is now after the 7^th November 2024, can you still fund the VAT?

Yes, up to 14 days after your VAT period end. We cannot fund historic VAT.

I have paid the VAT but would like the cash back as working capital, can this be done?

Yes, some firms of solicitors prefer to pay their VAT bill and then take out a loan. As long as this is done within a couple of weeks of HMRC being paid, this can normally be achieved, subject to credit.

Do many legal firms fund VAT?

Absolutely. Historically, the VAT loan product was just developed for professions such as solicitors and accountants. Now our customers cover not just legal firms but most sectors of businesses.

Are personal guarantees required?

Often they are but this does depend on the size of your practice.

Please note, all loans are subject to credit, personal and or cross company guarantees may be needed.