If your organisation is struggling with cashflow when VAT is due to be paid, or you would rather keep that cash in the bank where it could fuel growth or cover unforeseen costs, you might choose to apply for a VAT loan.
"It was great working with Bluestone to fund our VAT bill - they have been helpful and supportive to our requirements. The process has been easy and it's one less thing for the business to have to worry about."
Miranda Jules, Admin Director, G2 Studio
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The amount a business can borrow will depend on the unique circumstances of the business and eligibility. In addition to credit checks and a review of the business’s financial situation, other eligibility criteria will usually apply, often including:


It is important to make you aware of all aspects of a VAT Loans so you can understand if it is the right fit for your business.
We would recommend getting in touch with Bluestone up to three months before your VAT deadline is due for more complex cases. However, we can look to provide finance within a few weeks for simple cases.
At Bluestone, we understand that applying for a self-assessment loan can be a daunting process, especially if you're unfamiliar with the requirements and criteria. That's why we're here to support you every step of the way.
You’ll deal directly with our business loan specialist, James Lewis, who’ll support you every step of the way.
James has years of experience helping individuals like you secure the funding they need to cover their self-assessment tax bills.
He'll work closely with you to understand your specific requirements and provide you with a range of financing options tailored to your needs.
You can contact our Loans Specialist, James Lewis at james.lewis@bluestone.app.
Alternatively, visit his page to book a meeting.
There may be fees associated with a VAT loan, such as origination fees, documentation fees, and interest charges. These fees will vary depending on the lender and the loan product being offered. We would be happy to provide an estimate of the costs based on your specific needs and circumstances. Contact us to find out more.
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The repayment period for a VAT bill loan will depend on the loan amount and the repayment schedule agreed upon with the lender. The loan can typically be structured to match the timing of the VAT payments, helping to minimise the impact on the organisation's cash flow.
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To be eligible for a VAT bill loan in the UK, an organisation typically needs to be VAT registered and have a good credit history. The specific requirements may vary depending on the lender and the loan product being offered.
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A VAT bill loan benefits an organisation by providing quick and flexible access to working capital to help manage cash flow during periods of increased VAT payments. This type of loan can also help organisations avoid having to dip into their operating funds to pay VAT bills, preserving those funds for other important organisation needs.
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A VAT loan is a financing option that enables organisations in the UK to borrow against their outstanding VAT bills. This type of loan provides a source of working capital to help organisations manage the cash flow impact of paying large VAT bills.
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We know finance can be complex and often it's easier to talk things through. Drop us a message or give us a call 0330 135 8660 and we'll get back to you ASAP.



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