We can spread the cost of your VAT over 3 monthly payments

V4B Business Finance provides VAT funding that enables businesses to improve cash flow by spreading the cost of quarterly value-added tax bills for sold goods and services.

You can borrow from £10,000 to £1,000,000+ over 3 months. As long as you have an annual turnover of at least £250,000 and good personal/business credit history, we’ll be able to assist.

Companies large and small are increasingly turning to VAT loans to free up money to allow more investment in their business. VAT funding also avoids the problem of HMRC surcharges for late payments.


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over 30 years of operation. Our team are experts in building relationships with our clients and providing the best credit options available.
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VAT Payment problems faced by businesses

On paper, the VAT you charge should balance out against your VAT bill on services or products. In reality, this rarely happens.

Sometimes, a VAT bill larger than anticipated may jeopardise businesses finances or you may not have the capital needed to pay your VAT on time because of unexpected financial pressures.

In situations like these, VAT finance gives businesses a critical lifeline.

A further potential problem with VAT– particularly for small businesses and self-employed individuals – is the largely compulsory switch to Making Tax Digital (MTD) software. As part of the government initiative to digitise VAT and income tax systems, MTD will fundamentally transform the way tax administration works, heralding the end of the old tax return.

While presented as a benefit to businesses by streamlining the tax system, Making Tax Digital has resulted in concerns such as the extra cost of online accounting software. A VAT loan or a loan for business equipment could help make your transition to MTD run more smoothly.

Why you might need a VAT loan

Businesses often need VAT finance to overcome the problem of lack of working capital if they pay a VAT bill in full. These concerns can arise through:

Benefits of VAT funding
A short-term business loan to cover VAT payments provides the cash businesses need to continue to invest in new assets or developments while still meeting their VAT obligations. VAT funding enables businesses to hold onto cash in order to strengthen competitiveness, growth and expansion.
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How our VAT loans can help your business

V4B Business Finance offers VAT funding from £10,000 to £1,000,000-plus with monthly repayments over three instalments. We routinely provide millions of pounds a year in VAT loans that help many companies grow their business – from multi-national corporations to medium-sized operations and small, niche businesses. These loans are unsecured – so you don’t risk forfeiting business assets – and applying for a loan won’t damage your credit rating. We can approve VAT loans within 24 hours, and our consultants can help you customise the most suitable package for your needs. We work with major underwriters, which means fast, stress-free VAT funding for your business, with competitive, transparent interest rates and flexible terms.

Explore What We Offer

We build long-term relationships with all our clients enabling a clear understanding of your business and your needs. We like to think of our relationships with clients as partnerships, offering a service, which is unique and personal, provided by knowledgeable, experienced consultants with several years of funding experience in arranging business loans.

Business Loans

Access additional working capital to help grow your business with a tailored business loan.

Corporation Tax

Need to fund a corporation tax bill? We offer bespoke funding tailored to your business.

Professional Indemnity Insurance

We can help you finance your insurance to keep your business protected.

VAT Funding

Do you want to spread your VAT bills over the year to improve cash flow? We can help.

Acquisition Funding

If you are considering acquiring another business, we can offer financing.

Asset Finance

Considering a lease, hire, purchase, rental, or alernative finance arrangement?

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We take pride in our track record of serving thousands of satisfied clients over 30 years of operation. Our team excels in cultivating strong relationships with our clients and offering the finest credit options. Rest assured, one of our team members will be in touch with you soon.

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V4B Business Finance LTD is a credit broker and not a lender. We are authorised and regulated by the Financial Conduct Authority. Registered No: 802921 Registered in England & Wales with company number: 11181409. Registered Office: Ellkat House, Coed Aben Road, Wrexham Industrial Estate, Wrexham, LL13 9UH.

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