A VAT loan that pays HMRC for you, and turns your bill into 3 fixed monthly repayments.
Need to settle your HMRC VAT bill without watching your cash flow take a blow? A Lovey VAT loan spreads the bill into fixed monthly repayments, so a chunky quarterly demand stops being a quarterly headache.
Competitive rates, predictable instalments, and the working capital you need stays where it belongs - in the business. Tax season, sorted. You? Free to get back to the good stuff.
Yep, that's right - your credit score stays safe while exploring loan options with us. Interest rates as low as 6.9%
You can choose a variable rate (moves with the market) or fixed interest rate (doesn't) - depending on your business needs.
Borrow up to 500,000 quid, no collateral for pretty much any purpose (don't test us, you know the kinds of things we mean, cash flow, payroll, yada yada).
Yep, that's right - your credit score stays safe while exploring loan options with us. We keep it worry-free until you're ready to dive in. Competitive rates.
Interest rates can seem scary, but we will always be transparent with you. You can choose a variable rate (moves with the market) or fixed interest rate (doesn't) - depending on your business needs.
Borrow up to 750,000 quid (imagine what you could do with that) for pretty much any purpose (don't test us, you know the kinds of things we mean, cash flow, payroll, yada yada).
A VAT loan is a finance tool built to cover your HMRC VAT bill.
The lender pays HMRC directly on your behalf and you repay in fixed monthly instalments. Typically over three months, aligned with your next VAT quarter. That chunky quarterly tax bill stops draining your working capital, or triggering late-payment surcharges. If your cash crunch is tied to tax season, a VAT loan is the precise tool you need to stay compliant.
Your VAT bill splits into manageable monthly repayments, so tax time stops being the part of the quarter you dread.
The cash you would hand to HMRC stays in the business, ready for stock, payroll, hiring or whatever you need it for.
VAT loan applications could be approved and paid to HMRC within as little as 4 hours. Useful when the deadline is hours away rather than weeks.
Your VAT bill becomes three fixed monthly repayments - no variable rates, no nasty surprises, no spreadsheet gymnastics.
Indicative rates for this term start from 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 businesses, and current fees, which may be subject to change.
Paying bills isn't anyone's idea of a good time. But your HMRC VAT bill is the one to keep punctual - miss the deadline by even a day or two, and you'll trigger late-payment surcharges that snowball the longer they sit. Every UK business has its own VAT return deadline based on its quarterly cycle, so check yours and put it in the diary.
A VAT loan handles the timing for you: the lender pays HMRC directly, you repay on a schedule that fits your cash flow, and the late-fee surprise stays well away.
VAT bills don't get any smaller by ignoring them - but they get a lot more manageable with the right finance behind them. Lovey is an FCA-authorised and regulated UK lender and broker, so you can borrow from us directly or be matched to a specialist lender from our panel, whichever route gets you the best VAT loan for your business.
You'll get a dedicated account manager from the moment you apply - a real person who knows VAT loans inside out, no chatbot. Most applications are approved within 24 hours, with the lender sending it directly to HMRC so you stay on the right side of the deadline. Ready to swap your VAT headache for fixed monthly repayments? Apply online in 60 seconds.
A VAT loan is business finance designed to cover your HMRC VAT bill. The lender pays HMRC directly on your behalf, and you repay the loan in fixed monthly instalments over three months. So instead of one chunky quarterly payment draining your working capital, you spread the cost into smaller, predictable amounts.
Your credit score is part of the picture - it isn't the whole story. We look at your trading history, business performance and cash flow alongside your credit profile to find the right VAT loan for you. Solid trading and healthy cash flow can carry real weight, so don't write yourself off before applying.
A VAT loan lets you pay your HMRC VAT bill on time without draining your working capital. Instead of handing over a lump sum every quarter, you spread the cost into fixed monthly repayments - so cash you'd otherwise lose to tax stays available for stock, payroll, hiring and growth. Ideal when your VAT bill is bigger than your current cash position but business is otherwise healthy.
Interest rates on VAT loans are quoted per application based on your business's circumstances - trading history, turnover, credit profile, loan amount and term all feed into the rate you'll pay. Get in touch and we'll walk you through an indicative rate before you commit to anything.
Once approved, your VAT loan can settle your HMRC bill within 24 hours - sometimes as little as 4 through Lovey. The lender pays HMRC directly on your behalf, so you stay on the right side of the deadline and avoid late-payment surcharges entirely.
If you fail to pay your VAT bill on time, HMRC will issue a penalty notice and may charge interest on the overdue amount. Continuous non-payment can lead to further penalties, increased interest rates, and potential legal action, which can seriously impact your business's financial health and credit rating. This can make future borrowing harder and more expensive. The cleaner path is to spread the bill with a VAT loan rather than miss the deadline.
Lovey is a UK broker specialising in VAT loans and tax bill funding for SMEs. We work with a panel of specialist lenders, so you see VAT funding options matched to your business rather than one product squeezed to fit everyone. Apply once with us and we'll match you to the right VAT loan for your bill, your business, and your timeline.
Compare VAT financing providers on five things: total cost (interest plus any fees), repayment term, speed of decision, whether the lender pays HMRC directly, and the size of the lender panel if they're a broker. A specialist broker like Lovey does this comparison for you across multiple lenders, so you see best-fit options in one place rather than applying to several providers individually.
The best VAT loan providers in the UK share a few traits: fast decisions (often within 24 hours), the option for the lender to settle HMRC directly, fixed monthly repayments, and transparent pricing with no hidden fees. Specialist brokers like Lovey shorten the search by matching your application to lenders that fit your business - instead of asking you to compare a dozen offers yourself.
60 second enquiry. 6 questions. Instant decision. Just like that. Click below to start your enquiry.
One small request, please? If you could prepare your paperwork, we'll all be in the best position to get you funded ASAP!
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Terms work case-by-case, and we'll do our best to find you the loan that fits you like your favourite comfy tee.
