A VAT bill can coincide with stock purchases, wages or delayed customer payments. VAT funding may spread the payment cost, but it should be considered alongside cash collection and the next VAT period.
How it works
A finance provider assesses the business and the liability before offering a facility. Depending on the agreement, the lender may pay HMRC directly. The business then repays the facility, with interest and fees, over an agreed period.
What to consider
- Confirm the actual VAT deadline and payment reference for your scheme and period.
- Compare repayment costs with the cash available after normal operating expenses.
- Check guarantees, security and fees; these are not the same for every VAT facility.
- Where payment is difficult, consider contacting HMRC about a payment plan and compare the available routes.
What to prepare
The VAT return or calculation, due date, recent bank statements, debtor list and a cash forecast covering the next VAT bill. Include any previous tax or loan arrears.
Borrowing can address a temporary timing gap. If each VAT period creates another shortfall, we should review records, margins, collections and the amount set aside for tax.
HMRC guidance if you cannot pay on time.
Read the current official guidance. Scheme rules and availability can change.
How Greystone can help
We can help you understand the figures and consider the effect on your business and the family behind it. Where detailed forecasts, calculations or application support are needed, we will agree the scope and any fee with you first.
Explore your next step
Start an enquiry with Swoop, or contact Greystone for a free initial conversation.
The portal opens on Swoop’s website. Swoop can confirm available products and the appropriate specialist route. An enquiry is not a funding offer.
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Prepared by Greystone Advisory using Swoop product information; reviewed October 2026. General information, not a personal recommendation. Greystone is not a lender. Funding is subject to eligibility, assessment and terms. We may receive commission from Swoop following completed funding. Specialist legal, tax or regulated advice may be needed for your circumstances.
