VAT Bridging Loans

Table of Contents

*Rates and fees may need to be reviewed to reflect current market conditions.

Welcome to Fast Forward Finance

If you need a VAT bridging loan for your business in the UK, you are on the right page. Fast Forward Finance is a business loans broker in the United Kingdom with the experience and expertise to source a wide range of business loans including short-term bridging TAX and VAT loans.

We have special working partnerships with a lot of independent lenders making us the ideal partner to work with in your quest for a suitable VAT bridging loan.

Here at Fast Forward Finance, we believe that lack of sufficient business capital is one of the reasons most businesses do not survive beyond their first few years, which is why we take our job of helping businesses gain access to suitable finance seriously.

If you have a pressing or pending VAT bill to pay and want a short-term bridging loan to solve your VAT problem so that you can have the peace of mind to focus on the other aspects of your business, get in touch with us, let us work something out for you.

A Trusted Capital Source for over Xnumber of Businesses

The team at Fast Forward Finance can work with you to access some of the most profitable and suitable financial product, regardless of your financial circumstances, which will be greatly beneficial for your company. In fact, we have done so for countless businesses in the UK, making us an established source to help you find business capital.

Don’t hesitate to get in touch with us if your VAT demands are likely to put a strain on the cash flow of your business and you want to explore other alternatives to meeting your commitments.

A Proven Track Record in Providing Bridging Loans

At Fast Forward Finance, we’ve established a proven track record of providing bridging finance to eligible businesses. We have tried to do so through sheer determination and relentless hard work in providing outstanding service to all clients.

We also enjoy a high approval rate and to be well-positioned to help you clinch competitive rates on bridging loans for your VAT payments. We endeavour to use our industry knowledge and our business relationships with many of the top lenders, to ensure that we put together only the VAT bridging loans deal that is ideal to your situation.

Our Bridging Finance Specialist Team

At Fast Forward Finance, we have some of the best professional bridging finance brokers in the industry available to assist you. Members of our team have a combined experience of XXX years’ experience that we will aim to be brought to bear in your case to create a VAT bridging loan deal that is tailor-made for you alone.

Get in touch with us so we can show you what choices we are offering. Chat with one of our staff about your VAT needs to see what we can do for you.

Still have Questions?

Please contact us or call us now on

What is a VAT Bridging Loan?

VAT bridging loans are short-term loans and can be used to pay VAT on the purchase of a commercial property. As things stand at the moment, the vast majority of sales of commercial property come with a 20% VAT tax. At the time of purchase, the VAT must be paid on top of the property’s price, which can significantly raise transaction costs.

All too often, transactions of this nature fall through because this substantial charge was not taken into account during the negotiation phase. However, a bridging loan can give you the much-needed financial boost as the deadline for payment draws closer.

VAT Loans Designed to help Manage your Cash Flow

At Fast Forward Finance, we understand that addressing cash-flow issues as soon as possible is crucial.  Our bridging loan brokers strive to use their wealth of experience in helping businesses with their financial problems to help secure bridging loans for VAT purposes for eligible businesses that are registered and operating in the UK.

We aim to access some of the most competitive rates on the market as we help to prepare a VAT loan deal that can be just right for you so that you don’t put your business cash flow under undue pressure. Call us on PHONEXXX if you would like to discuss the VAT bridging loan options open to you.

What is Corporation VAT?

Corporation VAT is a tax imposed on customers which they pay anytime they buy vatable goods or services. Corporation VAT is collected from the customers during transactions on behalf of the government and is remitted regularly. Most of the goods and services offered by businesses are vatable.

All companies registered with VAT are required to keep appropriate records so they can report VAT accurately. Once registered; all vatable businesses are obliged to send online returns and pay any VAT due electronically.

What is a VAT Bridging Loan Secured Against?

Because a VAT bridging loan is a speciality product, the requirements differ from one lender to another. However, if you are in the market for a VAT bridging loan, lenders may require you to secure the loan amount against a personal or business asset.

In some cases, the security is kept in a special purpose vehicle until the debt is completely cleared.

That said, it is important to point out that typically, a VAT bridging loan is secured against recovery from the HMRC rather than on property equity.

Can you get an Unsecured VAT Bridging Loan?

Even though most bridging loans have to be secured against an asset, it is possible to get an unsecured VAT bridging loan.

In this situation, you are not expected to pledge either a personal or business asset to the lender when you are getting a VAT bridging loan. However, the lender considers a range of other factors when deciding whether to approve an unsecured bridging loan or not.

Admittedly, getting an unsecured VAT bridging loan is not easy, but it is also not impossible. If an unsecured VAT bridging loan is what you are in the market for, talk to us, so we can explore lender criteria on your behalf and look for a suitable option for you.

Note, however, that a good credit rating may be one of the factors when considering an unsecured VAT bridging loan.

Borrow up to £XXX in Fast Flexible VAT Bridging Loans

Do you need fast finance to address a cash-flow problem or a requirement? With a flexible VAT bridging loan from our lenders, you can borrow as much as £XXX to meet your VAT obligations.

Our lenders understand that business dynamics differ by business and industry, which is why they are mostly willing to consider flexible terms and repayment options for VAT bridging loans. Fast Forward Finance may be able to help you arrange the financing easily. And with what we aim to be trademark super-fast approvals and quick funding, once your application is approved, you will get the funds in your account in little or no time. Contact our office on PHONEXXX, or apply online for fast funding to solve your VAT issue or any other cash-flow challenge.

Short-term Bridging Loans for your VAT Finance Needs

VAT on sales of commercial properties can pose serious problems for a business’ cash flow.

Our partner lenders’ special VAT-bridging loans products can allow you to cover due VAT payments, without tying up your business’ cash flow.

These products can be taken out on a short-term or need-to-use basis and the payment spread out over a few months. For many businesses, this is the best way to remain in the good books of the taxman without jeopardising their own business operations.

Why use VAT Bridging Finance?

A VAT bridging loan would allow you to avoid tying up funds that otherwise could be used to continue working on other projects. With HMRC taking as much as 3 months to execute refunds, a VAT bridging finance will relieve you of your cash-flow burden and allow you to carry on with your next development.

VAT bridging finance also gives you peace of mind. Taking out a VAT loan will help you prepare for a lower payment than you would get otherwise since you will be spreading the repayments over a period of months, which can greatly relieve the financial pressure of the process.

Who are VAT Bridging Loans for?

We endeavour to arrange VAT bridging products for individuals, businesses and other brokers. Nevertheless, our lenders may demand that any security be kept in a Special Purpose Vehicle.

When Should you Use a VAT Bridging Loan?

A VAT bridging loan is actually designed to handle VAT charges that accompany a business property purchase, as well as payment for corporate VAT demands. However, a few lenders allow you to use the funds from a VAT bridging loan to handle a wide range of other financial responsibilities in the business. This can range from managing cash-flow challenges to buying inventory, hiring and training workers, and so on. If you receive a sudden or really high VAT demand from the government and either don’t have enough in your coffers to meet this demand or do not want to put business finances under pressure, a VAT bridging loan is the way to go. A VAT bridging loan in this situation can be an ideal solution.

How VAT Bridging Loans can help your Business

VAT bridging loans give you the opportunity to access the short-term funds you need to cover the VAT costs required or anticipate to be incurred when you purchase commercial property.

A standard financing package may not be enough for many transactions to cover all the expenses, and many business owners are caught off guard or unaware of the VAT’s additional capital requirement.

A VAT bridging loan comes in to help you clear the final purchase hurdle. VAT regulations are complex and this tax is always applied at the end of a transaction, so it is important to get quick access to the funding you need to cover those extra costs, otherwise, you may encounter problems when it comes to your business expansion plans.

A VAT bridging loan can also help you avoid late payment charges when you delay in remitting corporate tax to the government, as these late charges can add up and quickly put your business further in debt.

What’s the Typical Interest Rate for a VAT Bridging Loan?

Interest rates on VAT bridging loans can vary between lenders, but average rates range from 1.25% to 1.5% per month. To compare interest rates and clinch a suitable deal, get in touch with us at Fast Forward Finance to explore options on your behalf.

VAT Bridging Loan Calculator

Our user-friendly VAT bridging finance calculator is designed to figure out the possible costs of VAT bridging loans easily.

This is the best way to start your search for a VAT bridging loan as the result of the calculator will provide you with details that will help you make an informed decision.

Enter the relevant details in the fields provided to find out what a VAT business loan will cost your business before going forward with an application.

What kind of Fees are Involved in a VAT Bridging Loan?

In addition to interest rates, VAT bridging loans also come with additional expenses applicants should know about.

While loan payments can vary significantly based on the unique loan situation, such as factors like the form of security attached to the loan, loan term, and so on, other additional expenses you should be mindful of include:

  • a surveyor’s valuation fee (where property is being used as security)
  • an exit fee (for lenders that require exit fee)
  • an arrangement fee
  • a legal fee for both lender and borrower, usually paid for by the borrower.

It is important that you know what fees you will be paying before going forward with any bridging loan plan. If you are not sure how to proceed, get in touch to talk with an expert on our team.

What are the Term Lengths for a VAT Bridging Loan?

Bridging loans can be arranged over terms of anything from a few days to 36 months, in accordance with the agreement between lender and borrower.

What are the Eligibility Criteria for a VAT Bridging Loan?

Bridging lenders usually require that VAT bridging loans be secured against personal or business assets, which are kept in a special vehicle for that purpose. Loans can be secured against one or more property assets.

Additionally, the borrower needs to have a business that is registered and operating in the UK, have a pressing or pending VAT demand from the government, show proof of a viable repayment plan, and in some cases, be required to have a good credit rating – especially for unsecured loans.

Can I Apply for a VAT Bridging Loan if I am a Sole Trader or Partnership?

VAT bridging loans can be accessed by registered UK businesses regardless of business structure. However, lenders have a set of criteria they use to determine eligible borrowers.

What Type of Security can I use when Applying for VAT Bridging Finance?

Typically speaking, these types of specialist loans are based on HMRC recovery rather than on sufficient equity in a property asset. However, it is also possible to use a property asset as security, whether first or second charge as long as there is sufficient equity in the property.

The Benefits of Getting one of our VAT Bridging Loans

Control of Cash Flow

Using a VAT bridging loan is beneficial because it can function as a cash-flow aid. It bridges the distance between two and three months while reclaiming the VAT amounts which usual lenders do not provide. Businesses can use this solution to maintain their cash flow so that they can continue their business operations uninterrupted.

Unsecured Lending

Because VAT loans are typically unsecured loans, they are not a very risky option for borrowers because there is no property on the line in the case of laoan default. However, chances are that a default can affect your credit rating.

Protects your Business Capital

A VAT bridging loan allows you to have peace of mind and the ability to run your business as usual. If HMRC has reimbursed the funds you will repay the bridging loan in full along with additional borrowing costs.

Alternatively, if you are not able to get back your VAT payments, a bridging loan will allow you the flexibility to figure out other long-term financing forms. The earlier the loan is repaid, the lower the total cost of borrowing and the smoother the deal is for all.

Fixed Monthly Payments

When you take out a VAT bridging loan, you know exactly how much you owe and can plan for it in advance of the end of the loan term. This can greatly relieve the financial pressure of the process.

Flexible Repayment Terms

One beautiful thing about the bridging loans we arrange is that you can opt for a fixed or flexible payment system with the lender. When you choose a flexible payment, you give your business enough cushioning to handle the loan repayments.

Decisions in as Little as 24 Hours

VAT bridging loans can be done easily, often in as little as 24 hours. This means that if your business is eligible and everything about your application checks out, you can get the funds you need to meet your commitments in little or no time.

Faster Payment Transfer

HMRC accepts VAT payments to be made electronically from any source to their accounts. This will allow you to make online payments faster, usually via internet or telephone banking, so they can be processed as soon as possible.

Protects Existing Bank Facilities

Even if you have an existing arrangement with your bank, you can still have access to a VAT bridging loan whether you are an existing customer or a new one. As long as you can meet the lender’s criteria, you stand a very good chance of getting the VAT bridging loan you need to meet your commitments.

Quick and Simple to Arrange

You no longer need to allow a potentially huge VAT bill derail your plans for business expansions. With a VAT bridging loan, you can gain easy access to large amounts of money so you can move quickly to purchase a property or restructure a building and resell it.

Avoid Costly Fees

Using our many years of experience, we aim to help you arrange VAT bridging loans at a competitive rate while avoiding expensive fees.

What can you use a VAT Bridging Loan for?

A VAT bridging loan is used as short-term financing to cover the VAT needed for commercial property purchases. It can also be used to meet your corporate VAT responsibilities.

Why Choose Fast Forward Finance for a VAT Bridging Loan?

Unsecured Loans Available

Our lenders can offer unsecured lending. Unsecured bridging loans are an excellent financing choice for companies who need the money quickly but do not have the assets to secure the loan against.

No Early Repayment Fees

When you get the funds and you want to repay your debt, you can do so even when your loan term has not expired, and guess what? Our lenders do not charge for early repayments. This means you get to save on interest rates when you manage to repay your loans early.

Flexible or Fixed-term Payments

We source for and offer a bridging loan product that matches your exact requirements. Whether you need your loan to be fixed and repaid over a certain period of time or want something more flexible that can allow overpayment and early repayment, we aim to work hard to ensure that we have the ideal financing solution.

Fast Funding

At Fast Forward Finance, we understand that businesses need funds as soon as possible. This is why we work with lenders that are willing to deposit funds within hours of loan approval. This means that there is no possibility of delay in meeting your VAT payments once your loan has been approved.

Fair Decisions

Here at Fast Forward Finance, we look more at the health of a business and the repayment plan than at credit ratings. You can, therefore, count on us to deliver fair decisions on every bridging finance application.

We’re Easy to Work With

Our experts at Fast Forward Finance strive to be easy to work with and believe in putting the needs of the customer first. You can count on us to have your back when we work with you to secure a bridging loan deal.

Stellar Customer Service

We endeavour to offer an unmatched customer experience at Fast Forward Finance, which is why it is no surprise that we are a trusted source for an increasing number of businesses when they need a VAT loan. Here at Fast Forward Finance, the customer is truly KING.

Transparency Every Step of the Way

Fast Forward Finance aims to make transactions as clear and as transparent for all parties involved. When you work with us, you are aware of your obligations from the beginning and there are no sudden surprises or hidden fees.

Following the FCA Rules

The Financial Conduct Authority (FCA) monitors all of our credit loans. That means the credit source is secure, and you are dealing with a reputable company.

Dedicated Account Executives

During the entire business loan process, we strive to ensure that each applicant has a dedicated account executive who will direct you carefully through the application and financing process. This professional aims to provide all the expertise you need to make an informed decision and to also make sure that your experience with us is as pleasant as possible.

Some of the Sectors we lend to:

  •     Retail businesses
  •     Bars and restaurants
  •     Hotels and B&Bs
  •     Hair and beauty salons
  •     Dentists and opticians
  •     Vets
  •     Auto garages and MOT centres

How does the Application Process for a VAT Bridging Loan work?

Carefully read the loan options, and pick the one that best suits your business needs. If you’re not sure, you should talk to a Fast Forward Finance expert to walk you through the types of loans before you go ahead.

Provide all the relevant information concerning your business so that we can have enough details to check your eligibility.

We then talk to our lenders to get suitable VAT bridging loan deals for you. If they like your application, you can count on getting more deal offers from them via Fast Forward Finance.

You can then choose to accept an offer and show your interest in going forward with the application.

Sign the relevant contract and funding is made as soon as possible into your business account. Get started by completing our online form. It should only take a few minutes to complete the simple application.

How to Apply Online for one of our VAT Bridging Loans

It has never been any easier to apply for a VAT bridging loan. You can submit your application online by entering some basic business information and clicking apply, then sit back and wait for one of our finance experts to get in touch with you for a follow-up.

Simple Qualifications

You must run a UK licenced company to apply for VAT bridging funding. From start-up companies to small businesses, as long as you are registered and operate in the UK, have properly prepared books of accounts for your business, have suitable security (where needed), and can show a good exit plan, you can go ahead with an application.

Easy Application Requirements

While our lenders may examine the financial status of the borrower, little or no focus would be directed at the credit rating of the business. This makes the application requirements as simple as possible.

Super-fast Approvals

No lengthy and annoying delays waiting for approval. Here, you can count on super-fast approvals and fast funding once approved.

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Want to Check your Eligibility Before you Apply for a VAT Bridging Loan?

Want to check to see if you qualify for a VAT bridging loan with Fast Forward Finance?

Take advantage of our user-friendly eligibility form to verify whether your business is eligible to apply for one of our loans. You can also choose to speak to us by calling PHONEXXX or sending a mail to MAILXXX.

Still have Questions? Call us Today on XXX-XXX-XXX

If you still have questions, don’t hesitate to get in touch with any of our expert financial brokers. Call PHONEXXX to speak to someone today or send an email to EMAILXXX. We look forward to hearing from you.