VAT Loans
VAT is typically due quarterly, which can place pressure on cash flow. A VAT loan allows you to convert a large payment into predictable monthly instalments, helping you meet your obligations while continuing to cover wages, suppliers, and operating costs.
Many businesses choose to finance VAT so they can keep cash available for stock purchases, seasonal demand, or growth opportunities.
Corporation Tax Loans
Corporation Tax is usually payable nine months and one day after the end of your accounting period. Rather than using a significant portion of your reserves in one payment, a tax loan allows you to spread the cost over a shorter term while maintaining a stronger balance sheet.
This can be particularly useful if your final liability is higher than expected or if you’d prefer to keep cash available for investment.
Who uses VAT & Corporation Tax loans?
Businesses across many sectors use tax finance to manage cash flow and pay HMRC on time without disrupting operations.
Construction & trades
Bridge the gap between paying VAT and waiting for customer payments on longer terms.
Recruitment agencies
Cover quarterly VAT while maintaining payroll for contractors and temps.
E-commerce & retail
Fund VAT on large stock purchases and seasonal sales peaks.
Hospitality
Manage tax bills during quieter trading periods while keeping cash for wages and suppliers.
Manufacturing & engineering
Preserve working capital for materials and production costs.
Professional services
Spread Corporation Tax payments while continuing to invest in growth and staffing.
Transport & logistics
Handle VAT on fuel, vehicles, and maintenance without affecting daily operations.
Tax loan vs HMRC Time to Pay
HMRC may offer a Time to Pay arrangement, but these are typically only available if your business is already struggling to meet its obligations and interest may still apply.
A tax loan allows you to:
Pay HMRC in full and on time.
Avoid entering arrears.
Maintain a stronger credit profile.
Choose a structured repayment plan that suits your cash flow.
Please Note: Forward Business Funding Ltd does not provide tax advice. Any references to potential tax benefits are provided for general information only and should not be relied upon for the purpose of making financial or tax-related decisions. Clients should seek independent advice from a qualified accountant or tax professional to understand how any finance arrangement may impact their individual tax position.
How does it work?
1
Quick Enquiry
Share a few details about your business and finance needs using our online form or by phone. It’s fast, simple, and won’t affect your credit score.
2
Understanding Your Business
Your dedicated Account Manager will discuss your goals, review your requirements, and collect any necessary documents to guide your application.
3
Expert Comparison & Quote
We search our panel of lenders to find the best options for your business. We handle the applications for you and provide a no-obligation quote.
4
Fast, Simple Funding
Once approved, funds are paid directly to HMRC — making finance straightforward and hassle-free.
How is Forward Business Funding different?
Whole-of-market lender panel
Independent and unbiased
Fast approvals and funding
Competitive rates
Dedicated finance specialist
Built for UK SMEs