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Am I eligible to apply?

Businesses have to meet certain criteria in order to apply for an VAT/Tax loan. Specifically, a business must:

  1. Turnover above £100k per annum
  2. Trading for longer than 2 years
  3. Be a UK Ltd company
  4. Use of funds is to pay HMRC debt
  5. Pass minimum credit checks

How much can I borrow?

The maximum any one lender can offer is £500k and this will depend on several different factors such as affordability, credit and trading time. The minimum a lender can offer is £2k.

How long can I borrow the money for?

Most lenders will offer you the ability to spread the term over 12 months and the minimum term is 3 months allowing you to spread the lump sum payment for monthly PAYE payments, quarterly VAT payments or annual Corporation tax payments.

What can the funds be used for?

  • Paying PAYE
  • Paying VAT
  • Paying Corporation Tax

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Apply in minutes, there’s no impact on your credit score and you’ll get a free, no obligation personalised quote in hours. Regulated by the FCA: 831395

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Frequently asked questions

What are VAT Loans?

Once you have secured a lender for a VAT loan, they will pay the tax you owe to HMRC upfront. You can then begin to make monthly repayments to the lender, helping you to break the funds you owe into more manageable chunks. Having a VAT loan can also mean you avoid any penalties for late tax payments, giving you a little more freedom with your cash flow.

Are VAT loans worth it?

VAT loans are short term and can therefore be more expensive than other loans that enable flexibility with cash flow. With that said, whether or not VAT loans are worth taking out largely depends on the speed at which you need access to the funds and whether you can afford to repay the fees later down the line.One of the primary benefits of a VAT loan is that you can avoid government penalties for late payments. Plus, you can use the funds freed up by the loan for other areas of your business, for example to expand your staff network or purchase new equipment.

Who can take out a VAT loan?

Of course, you must be VAT registered to be able to take out a VAT loan. You will be required to pay VAT if your business had a VAT taxable turnover of more than £85,000 over the last 12 months, and if this is the case, you will need to register yourself.You are most likely to get a VAT loan if your business is based in the UK and is a limited company. In some cases you must also have a trading history of more than 12 months. At Aurora Capital, we have access to a large suite of lenders who may be able to accept businesses for VAT loans who do not meet standard criteria. Please get in touch directly for more personalised support.

Don’t see your question? Send us a message or call us on 01371870815 to speak to one of our funding specialists quickly.

How the process works

[1]

Enquire and check eligibility

Enquire in under 30 seconds to find out if your business is eligible for funding. We only need basic information about your business.

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[2]

Get matched to lenders

Our LendTech technology will compare over 50 lenders and match you with the most suitable finance options.

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[3]

Obtain funding in 48 hours

Once you have fully submitted your proposal, one of our funding specialists will discuss the available options and help get you funded.

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Lending period
6mo1y2y3y4y5y6y
Loan amount
£100,000
Payment/m
£66,000
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Indicative rates for this term start at 6.9% based on our panel of lenders. Final rates are subject to individual lender approval and borrower eligibility. You may be offered different terms. Based on average rate of our lowest risk business and current fees which may be subject to change.

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Browse our funding options for all types of businesses

Growth Guarantee Scheme

An unsecured business loan backed by the government. Ideal for businesses looking to grow and expand.

  • Amount
    £25,001 to £750,000
  • Terms
    Up to 6 year terms
  • Interest
    From 10% per annum
Start growing

Unsecured Business Loans

A flexible, unsecured business loan with no security on assets or property. Ideal for growth, cashflow or working capital needs.

  • Amount
    £10,000 to £750,000
  • Terms
    Up to 6 year terms
  • Interest
    From 6.9% per annum
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Asset Finance

Whether you are looking to purchase machinery, equipment or vehicles, this could be the ideal solution for your business.

  • Amount
    £5,000 to £750,000
  • Terms
    Up to 6 years
  • Interest
    From 6% per annum
Finance assets

Revolving Credit Facilities

Looking to have a facility where you can drawdown funds when and if you require them, this could be the perfect facility for you.

  • Amount
    £1,000 to £1,000,000
  • Terms
    Up to 3 years
  • Interest
    From 1.5% per month
Access credit line

VAT/Tax Loans

Have an upcoming Vat or Tax bill? This could be the perfect facility to keep cashflow healthy and never have to make a big chunky HMRC payment again.

  • Amount
    £10,000 to £750,000
  • Terms
    Up to 1 year term
  • Interest
    From 1% per month
Get VAT loan

Merchant Cash Advances

A perfect solution for businesses that take over £10k per month in card/online sales. Rather than paying a fixed monthly payment, repayments are taken as a % of future card sales.

  • Amount
    £10,000 to £750,000
  • Terms
    Variable
  • Interest
    No APR
Get cash advance

Secured Business Loans

Are you a new start-up business or are you looking to invest a larger sum into your business? By using a property as security, we can lend larger amounts over longer terms.

  • Amount
    £25,000 to £2,000,000
  • Terms
    Up to 15 years
  • Interest
    From 10% per annum
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Small Business Loans

Compare small business loans to assist with purchasing stock, upgrading equipment, or just general working capital requirements.

  • Amount
    £10,000 to £750,000
  • Terms
    Up to 6 years
  • Interest
    From 6.9% per annum
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Guides to help you make the best financial decisions

VAT/Tax Loans

What are VAT Loans and Are They Worth it?

Avoid cash flow issues with a VAT loan. Discover how they work and how they can help businesses manage tax payments effectively.

Read guide

Compare business funding options today, quickly and easily

Browse our range of business funding options to find out more and discover the one that best suits your business.

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Prefer to chat? Call us on 01371870815 to speak to our experts.
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