Recurring VAT funding without re-applying every quarter
Pre-approved facility that draws down as each VAT bill lands — no fresh application needed.
Business funding made simpler
- £10,000 – £500,000 funding
- 300+ UK lenders on our panel
- Initial decisions often within Initial approval 48 hours
- Soft-search eligibility check
At a glance
About VAT Funding
VAT funding is a pre-approved facility you draw down each quarter as bills fall due. One application, ongoing access — ideal for businesses that consistently need to smooth VAT cash flow.
Why businesses choose Apex Loans
Expert support, access to a wide lender panel and a straightforward application process.
One application
Approved once, draw down quarter after quarter.
Predictable cost
Rate fixed at facility level, not per draw.
Rapid drawdowns
Once a facility is in place, future draws can often complete within hours.
Build a track record
Successful repayments unlock larger facilities.
Am I eligible?
Eligibility varies by lender, but businesses with an established trading history and regular turnover may have access to a wide range of funding options.
Our eligibility check takes around 60 seconds and helps us understand which options may be suitable. It uses a soft search only, so there is no impact on your credit score.
- UK VAT-registered business
- Trading 12+ months
- Consistent VAT-registered trading history
Access a wide panel of UK business lenders
- 300+ UK lenders, from high-street names to specialist SME funders
- One application reviewed against multiple funding options
- FCA-regulated credit broker — we arrange finance, we are not the lender
- A UK-based funding specialist manages your case end-to-end
Frequently asked questions
Ready to explore vat funding?
Check eligibility in around 60 seconds with no impact on your credit score.