Managing VAT liabilities can put significant pressure on a business’s cash flow, especially for SMEs. For a family-run materials handling company, we’ve provided ongoing support with VAT loans over the past two years. In one instance, they needed a £62K VAT loan to supplement their own funding, which we arranged quickly to keep their operations on track. When they later faced a larger £132K VAT bill, additional complexities arose due to PAYE arrears and a high overdraft facility, leading to an initial loan rejection by the lender.

Acting swiftly, we worked closely with the lender on an appeal, providing detailed forecasts, supporting the client in addressing PAYE issues, and ensuring full transparency. Thanks to our established lender relationships and persistence, the loan was approved late on a Friday evening, allowing the client to meet their VAT obligation and avoid disruption. This case highlights how an experienced finance broker can deliver fast, flexible funding while navigating challenges to support business continuity and growth.