VAT Loan Calculator
Use our VAT loan calculator to estimate how your company could spread a VAT bill over three monthly repayments instead of paying the full amount in one lump sum.
Enter the VAT amount you want to fund to see an indicative VAT finance repayment figure before applying. VAT loans are available to UK limited companies only and are subject to status, affordability and lender approval.
VAT finance repayment estimate
VAT Loan Calculator for UK Limited Companies
Use the VAT loan calculator below to estimate how your company could spread a VAT bill over three monthly repayments instead of paying the full amount in one lump sum. Enter the VAT amount you want to fund to see an indicative VAT finance repayment figure before applying.
VAT loans are available to UK limited companies only and are subject to status, affordability and lender approval. The result is a guide, not a formal finance offer, but it can help you understand whether funding a VAT liability may support cash flow before payment to HMRC is due.
Three monthly repayments
Estimate how VAT finance could split a VAT bill across three repayments.
UK limited companies
Designed for limited companies with a VAT bill due or upcoming.
Indicative VAT loan result
Final repayment terms depend on approval, affordability and lender checks.
VAT Funding for Companies
VAT Bill - Over 3 months
From £5,000.00
As with all financial agreements, this quotation is subject to approval based upon the credit status of the company applying.
Indicative repayment guide
How the VAT Loan Calculator Works
The calculator gives an indicative repayment figure based on the VAT amount entered. It is designed to help limited companies understand how a VAT bill could be spread over three monthly repayments instead of being paid in one lump sum.
The figure shown is not a formal finance offer. Final approval, repayment amount and lender terms depend on assessment, affordability and the information provided during the application.
Payment route and shortfall funding
Can a VAT Loan Be Paid Directly to HMRC?
In many cases, VAT finance can be paid directly to HMRC on behalf of the business. This helps ensure the VAT liability is paid to the correct HMRC account using the relevant VAT reference.
If you apply, the team will confirm the payment process, required details and lender requirements before any finance is completed.
Can I Finance Part of My VAT Bill?
You may not need to finance the full VAT bill. If your company can pay part of the VAT liability but has a shortfall, VAT finance may be available for the remaining amount, subject to status and lender approval.
For example, if your company has a VAT bill of £40,000 but can pay £25,000 from cash flow, you may be able to apply for finance for the remaining £15,000.
Eligibility
Who Can Apply for a VAT Loan?
VAT finance is available to limited companies only and is subject to status. The business will usually need to be VAT registered and able to show that repayments are affordable.
- UK limited company
- VAT registered business
- VAT bill due or upcoming
- Ability to afford the monthly repayments
- Required company and finance information available
Application details
What Information Will I Need?
The exact information needed can depend on the lender and application, but businesses are commonly asked for details about the company, the VAT liability and repayment affordability.
- Company name and registration details
- VAT return or VAT liability details
- Full company accounts and usually latest management accounts
- Director or authorised persons contact details
- Bank statements or affordability information, if requested
Common questions
VAT Loan Calculator FAQs
Does using the VAT loan calculator affect my credit score?
No credit decision is made just by viewing an indicative calculator result. If you submit an application, the checks required will depend on the lender and application process.
Is the repayment figure guaranteed?
No. The calculator provides an indicative figure only. Final repayment terms depend on lender approval, affordability, documentation and the details of the VAT finance application.
Can I use the calculator for a VAT bill that is already due?
Yes, you can use the calculator to estimate repayments for a VAT bill that is due or upcoming. If the deadline is close, apply as soon as possible so the team can review whether funding may still be arranged in time.
Can VAT Loans pay HMRC directly?
In many cases, funds can be paid directly to HMRC using the correct VAT reference. The exact process will be confirmed during the application.
Can I borrow less than the full VAT bill?
Yes, subject to approval. If your company can pay part of the VAT bill but needs help with the remaining balance, you may be able to apply for finance for the shortfall.
Who is VAT finance suitable for?
VAT finance may suit limited companies that need to protect cash flow by spreading a VAT bill over monthly repayments. It may not be suitable if the business cannot afford the repayments or if another lower-cost option is available.