VAT and HMRC funding £2,200,389 Repeat VAT and HMRC funding for an accountancy partnership
- Accountancy partnership
- VAT and HMRC funding
- Repeat funding relationship
Real businesses. Real outcomes.
Real business finance case studies.
Real, anonymised deals we have arranged for UK businesses. See what stood in the way, how the funding was structured and how it ended.
Featured case study Recruitment and staffing £3.37m across seven facilities. Profitable on paper, and liquid when it mattered. Payroll goes out every week, clients pay on terms and the tax bill lands in between. We funded the gap, seven times. £3,371,432Funded Tax fundingFinance type Recruitment businessSector Repeat funding relationshipOutcome Our case studies
Real finance. Real businesses. Real results.
Every business is different. These deals show how we find the right finance for our clients, whatever their sector, size or ambition.
VAT and HMRC funding £2,200,389 
Property £1,100,000 Buying the freehold of healthcare premises
- Healthcare
- Commercial property finance
- Completed
Education £600,000 Funding a rapidly growing training business
- Education and training
- £600K facility, then £400K
- £2,695,640 across 13 facilities
Business services £500,000 Confidential invoice discounting for a wholesale distributor
- Wholesale and distribution
- Confidential invoice discounting
- Completed
Invoice discounting £400,000 Invoice discounting for a manufacturer
- Manufacturing
- Invoice discounting
- Completed
Vehicle finance £320,000 Vehicle finance for a logistics fleet expansion
- Transport and logistics
- Vehicle finance
- Completed
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Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.
Getting a business loan can feel like a bit of a minefield, but everything was broken down for me in great detail. Will use again in the future!
Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.
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Hospitality
65 transactions- £256,000 Eight facilities for a pub company, from cash flow to venue investment Pub companyRevenue-based finance
- £225,000 Four facilities for a growing street food business Street food kitchenMerchant cash advance
- £179,000 Four facilities for a hotel HotelFour facilities
- £175,000 Restaurant business funding Restaurant businessRevenue-based finance
- £158,000 Eight facilities for a public house Public houseEight facilities
- £145,000 Four facilities for a pub, topped up as each was repaid PubRevenue-based finance
- £144,000 Four facilities for an inn InnFour facilities
- £129,000 Three facilities for a café CaféThree facilities
- £125,000 Staff, stock and working capital for a café: three facilities CaféRevenue-based finance
- £97,000 Two facilities for a pub group Pub groupTwo facilities
- £96,000 Two facilities for a catering business Catering businessTwo facilities
- £95,000 Three facilities for a growing coffee business Coffee businessRevenue-based finance
- £95,000 £95,000 funding for a serviced accommodation business Serviced accommodation businessBusiness loan
- £94,349 Tax funding, then working capital, for a serviced accommodation business Serviced accommodation businessTax funding and short-term loan
- £88,000 Two facilities for a restaurant RestaurantTwo facilities
- £84,000 Three revenue-based facilities for a food service business Food service businessRevenue-based finance
- £83,500 Working capital for a restaurant through a difficult VAT period RestaurantRevenue-based finance
- £75,000 Funding for a London restaurant after lender concerns RestaurantRevenue-based finance
- £73,000 VAT, bills and a refurbishment: three facilities for a restaurant RestaurantRevenue-based finance
- £70,000 Working capital for a growing food and beverage business Food and beverage businessShort-term business loan
- £61,960 Four facilities for a coffee business Coffee businessFour facilities
- £61,000 Two facilities for a gastro pub Gastro pubTwo facilities
- £60,000 Funding for a hospitality and trading business Hospitality and tradingBusiness facility
- £60,000 £60,000 funding for a restaurant RestaurantRevenue-based finance
- £57,150 Repeat funding for a three-venue restaurant group Restaurant groupRenewal facility
- £55,000 A £55,000 longer-term loan for an established café CaféTerm loan over 48 months
- £52,000 New kitchen equipment and working capital for a community venue Hospitality and community venueEquipment and working-capital finance
- £51,590 Four facilities for an independent eatery Independent eateryFour facilities
- £49,950 Three facilities for a coffee shop Coffee shopThree facilities
- £47,000 Two facilities for a food and drink business Food and drink businessTwo facilities
- £44,000 Two facilities for a restaurant RestaurantTwo facilities
- £42,000 Two facilities for a restaurant and takeaway Restaurant and takeawayTwo facilities
- £42,000 Working capital for a restaurant after other lenders raised concerns RestaurantRevenue-based finance
- £40,000 Tandoori restaurant funding Tandoori restaurantRevenue-based finance
- £38,000 A further advance for a hospitality business HospitalityFurther advance, percentage of sales
- £38,000 Pub funding PubRevenue-based finance
- £36,000 Two facilities for a wood-fired food business Wood-fired food businessTwo facilities
- £35,000 Secured funding for a pub and B&B Pub and B&BFirst-charge secured loan
- £31,000 Three facilities for a café CaféThree facilities
- £30,590 Funding for a London hospitality operator HospitalityBusiness facility
- £30,000 Pub company funding Pub companyRevenue-based finance
- £30,000 Coffee business funding Coffee businessRevenue-based finance
- £30,000 Pub company finance arranged Pub companyRevenue-based finance
- £26,000 Trading capital for a hospitality venue Hospitality venueBusiness facility
- £25,000 Pub group funding Pub groupRevenue-based finance
- £25,000 Brewery funding BreweryProduction
- £23,000 Two facilities for a food and drink business Food and drink businessTwo facilities
- £21,000 Bar funding BarRevenue-based finance
- £18,650 Two facilities for a café CaféTwo facilities
- £18,000 £18,000 funding for a pub PubRevenue-based finance
- £15,000 Hospitality operator finance arranged Hospitality operatorRevenue-based finance
- £14,000 A further advance for a pub PubFurther advance
- £13,500 Two facilities for a grill restaurant Grill restaurantTwo facilities
- £13,450 Five small facilities for a coffee shop Coffee shopRevenue-based finance
- £13,000 Gin bar funding Gin barRevenue-based finance
- £13,000 £13,000 funding for a restaurant and takeaway Restaurant and takeawayRevenue-based finance
- £12,000 £12,000 funding for a restaurant and takeaway Restaurant and takeawayShort-term business loan
- £11,268 Food business funding Food businessWorking-capital term loan
- £11,000 Italian restaurant funding Italian restaurantRevenue-based finance
- £9,500 Hospitality operator funding Hospitality operatorRevenue-based finance
- £9,500 £9,500 funding for a bakery and cake business Bakery and cake businessRevenue-based finance
- £9,000 Revenue-based funding for a takeaway Restaurant and takeawayRevenue-based facility
- £7,750 Inn funding InnRevenue-based finance
- £3,000 £3,000 funding for a café and community venue Café and community venueShort-term business loan
- £2,000 Restaurant finance arranged RestaurantMicro business loan
Professional practices
26 transactions- £2,200,389 Repeat VAT and HMRC funding for an accountancy partnership Accountancy partnershipVAT and HMRC funding
- £295,000 Solicitors' practice funding Solicitors' practiceProfessional-practice working capital
- £272,500 A six-figure loan for a law firm Law firmBusiness loan
- £249,610 Six-figure funding for a project management business Architecture and project managementCommercial loan
- £237,946 Repeat corporation tax funding for an accountancy practice Accountancy practiceCorporation tax funding
- £185,000 Two facilities for a surveying firm Surveying firmTwo facilities
- £150,000 A split-structure facility for an established brokerage Professional services£78K repayment + £72K interest-only
- £150,000 Two facilities for a chartered surveyors Chartered surveyorsTwo facilities
- £150,000 Commercial finance for a solicitors' practice Solicitors' practiceProfessional-practice working capital
- £137,500 Accountancy practice acquisition AccountancyAcquisition facility
- £133,000 Commercial finance for an accountancy practice Accountancy practiceTax funding
- £100,000 Acquisition funding for a corporate advisory firm Corporate advisory firmAcquisition finance
- £92,000 Equipment finance for a dental practice refurbishment Dental practiceEquipment finance
- £80,000 Two facilities for a professional partnership Professional partnershipTwo facilities
- £78,145 Six VAT facilities for a solicitors' practice Solicitors' practiceVAT funding
- £71,500 Growth funding for a legal services business launching a new platform Legal services businessGrowth term loan
- £67,201 Repeat VAT funding for an accountancy firm Accountancy firmVAT funding
- £50,000 Legal services firm funding Legal services firmProfessional-practice loan
- £50,000 Law firm funding Law firmProfessional-practice loan
- £43,418 Legal services firm finance arranged Legal services firmProfessional-practice finance
- £40,000 Funding for an accountancy firm AccountancyCommercial facility
- £38,500 A £38,500 term loan for an accountancy and advisory firm Accountancy and advisory firmTerm loan
- £30,000 Working capital for a solicitors’ practice SolicitorsBusiness facility
- £24,000 Funding for a professional services firm Professional servicesBusiness facility
- £17,125.87 Repeat VAT funding for a law firm Law firmVAT funding renewal
- £8,000 A proportionate loan for an accountancy practice AccountancyBusiness loan
Property
14 transactions- £1,100,000 Buying the freehold of healthcare premises HealthcareCommercial property finance
- £725,000 Commercial mortgage to buy an owner-occupied warehouse Wholesale and distributionCommercial mortgage
- £650,000 Industrial unit purchase for an expanding manufacturer ManufacturingCommercial property finance
- £600,000 Bridging finance to buy and refurbish a commercial property Commercial propertyRefurbishment bridging loan
- £480,000 Office purchase for a growing professional services firm Professional servicesCommercial property finance
- £425,000 Chain-break bridging for a business owner Commercial propertyChain-break bridging loan
- £350,000 Bridging finance for a commercial auction purchase Commercial propertyBridging loan
- £275,000 Bridging finance to buy the unit next door Commercial propertyBridging loan
- £253,693 Corporation tax and liquidity funding for a property investment company Property investment companyCorporation tax and secured finance
- £234,000 Three facilities for one property business Property servicesThree £78,000 facilities
- £82,500 Funding an accommodation business with strong cash reserves AccommodationBusiness funding
- £16,000 £16,000 funding for a property and social housing management business Property and social housing management businessRevenue-based
- £5,500 £5,500 funding for a design and property services business Design and property services businessWorking-capital loan
- £5,000 Two facilities for a property business Property businessTwo facilities
Retail
14 transactions- £314,570 Five facilities for a florist FloristFive facilities
- £250,000 Apparel business funding Apparel businessSeasonal stock finance
- £250,000 £250,000 for an ecommerce homeware business to build seasonal stock Homeware ecommerce businessEcommerce line of credit
- £175,000 £175,000 of Christmas stock funding for a fashion retailer Fashion retailerRevenue-based finance
- £50,000 Gift business funding Gift businessEcommerce stock finance
- £50,000 Furniture business funding Furniture businessManufacturing stock
- £50,000 £50,000 funding for a lifestyle retail business Lifestyle retail businessRevenue-based finance
- £40,000 Funding for an equipment sales and services business Retail and equipment servicesBusiness facility
- £40,000 Clothing business funding Clothing businessStock finance
- £40,000 £40,000 funding for a fashion and lifestyle retailer Fashion and lifestyle retailerRevenue-based finance
- £25,000 Two facilities for a florist FloristTwo facilities
- £25,000 Off-licence funding Off-licenceStock finance
- £25,000 Jewellery business funding Jewellery businessStock
- £17,920 Two facilities for a retail and ecommerce business Retail and ecommerce businessTwo facilities
Manufacturing and engineering
10 transactions- £400,000 Invoice discounting for a manufacturer ManufacturingInvoice discounting
- £322,185 £322,185 funding for a food manufacturing and catering business Food manufacturing and catering businessUnsecured term loan
- £185,000 CNC machine finance for a precision engineering business EngineeringAsset finance
- £145,000 Asset refinance for a manufacturer ManufacturingAsset refinance
- £100,000 £100,000 funding for a distillery DistilleryAsset
- £90,000 Two facilities for a castings business Castings businessTwo facilities
- £81,900 Engineering business funding Engineering businessEngineering working-capital
- £50,000 Dental laboratory growth finance Dental laboratoryBusiness loan
- £50,000 Bakery funding after other lenders said no Food productionBusiness facility
- £50,000 A revolving supplier facility for a technology and engineering business Technology and engineering businessRevolving supplier facility
Creative, media and digital
8 transactions- £150,000 A £150,000 trade facility for a technology and business services company Technology and business services companyTrade facility
- £60,000 Six-year funding for an established communications company Communications72-month business loan
- £50,000 Content and media business funding Content and media businessProject working capital
- £45,711 VAT and working-capital headroom for a data and technology business Data and technology services businessTerm loan
- £27,500 Short-term capital for a media business Advertising and mediaShort-term facility (130 days)
- £20,840 Working capital for a digital business Digital servicesBusiness facility
- £20,000 Capital for a creative business Creative and marketingBusiness facility
- £12,000 Digital business funding Digital businessFlexible line of credit
Leisure and events
8 transactions- £100,000 Two facilities for a farm wedding and events venue Farm wedding and events venueTwo facilities
- £100,000 £100,000 funding for an experiential retail and visitor attraction Experiential retail and visitor attractionRevenue-based finance
- £98,500 Two facilities for a leisure business Leisure businessTwo facilities
- £30,000 A £30,000 term loan for a performance and sports services business Performance and sports services businessTerm loan
- £14,000 £14,000 funding for a drinks and events business Drinks and events businessFlexible business loan
- £13,000 A further advance for a leisure business LeisureFurther advance
- £11,700 Capital for a country club Country clubBusiness facility
- £1,000 Events business funding Events businessEvent mobilisation finance
Healthcare and care
5 transactions- £170,000 Three facilities for an independent living provider Independent living providerThree facilities
- £50,000 Funding for a healthcare provider HealthcareBusiness facility
- £50,000 Care provider funding Care providerWorking-capital
- £45,813 Five facilities for a healthcare business Healthcare businessFive facilities
- £16,000 Healthcare business funding Healthcare businessWorking-capital
Transport and logistics
5 transactions- £320,000 Vehicle finance for a logistics fleet expansion Transport and logisticsVehicle finance
- £63,500 Commercial finance for a logistics business Logistics businessWorking-capital finance
- £45,000 Three facilities for a logistics business Logistics businessThree facilities
- £40,000 Traffic management business funding Traffic management businessContract mobilisation
- £5,500 Logistics business finance arranged Logistics businessLogistics working-capital finance
Recruitment and staffing
5 transactions- £3,371,432 £3.37m of tax funding for a recruitment business, across seven facilities Recruitment businessTax funding
- £250,000 Confidential invoice finance for a recruitment agency RecruitmentConfidential invoice finance
- £33,000 Funding for a care staffing company Care staffingBusiness facility
- £10,000 A first facility for a young recruitment business Recruitment and talent businessUnsecured business loan
- £8,950 Staffing and consultancy business funding Staffing and consultancy businessInvoice-gap working capital
Construction
4 transactions- £150,000 Selective invoice finance for a construction subcontractor ConstructionSelective invoice finance
- £70,000 HMRC and short-term debt refinanced for a building services consultancy Building services consultancyDebt consolidation
- £20,000 £20,000 funding for a construction and trades business Construction and trades businessUnsecured business loan
- £16,457 Corporation tax funding for a construction project business Construction project services businessCorporation tax funding
Automotive
3 transactions- £300,000 £300,000 of stock funding for a motor dealership Motor dealershipRevolving credit for stock
- £40,000 Funding for an automotive business AutomotiveBusiness facility
- £31,999 Two facilities for an automotive business Automotive businessTwo facilities
Farming and rural
2 transactions- £91,455 Two facilities for a dairy business Dairy businessTwo facilities
- £25,000 Farm shop funding Farm shopStock + equipment finance
Renewable energy
2 transactions- £23,000 Funding for a renewable energy company Renewable energyBusiness facility
- £8,950 + VAT Equipment lease for a biomass energy business Renewable energyLease over 36 months
Education
1 transaction- £600,000 Funding a rapidly growing training business Education and training£600K facility, then £400K
Business services and other
20 transactions- £500,000 Confidential invoice discounting for a wholesale distributor Wholesale and distributionConfidential invoice discounting
- £379,640 Two facilities for a trading business Trading businessTwo facilities
- £268,788 Six facilities for an access equipment business: VAT and working capital Access equipment businessVAT funding and working capital
- £212,300 Business debt consolidation Debt consolidationConsolidation facility
- £120,000 Interiors business funding Interiors businessContract mobilisation finance
- £100,000 £100,000 funding for a food and wellness business Food and wellness businessRevolving working capital
- £80,500 £80,500 funding for a facilities and compliance services business Facilities and compliance services businessBusiness loan
- £60,000 Filtration business funding Filtration businessWorking-capital
- £50,000 Funding for an established business services company Business servicesCommercial facility
- £50,000 A £50,000 business loan, through to release of funds Business servicesBusiness loan
- £50,000 Financial services business funding Financial services businessProfessional-services loan
- £50,000 £50,000 funding for a business and property services company Business and property services companyContract mobilisation loan
- £48,975 A renewal for a returning trading business Trading businessRenewal
- £43,600 Distribution business funding Distribution businessStock finance
- £32,972 Two facilities for a business services company Business servicesInitial facility and renewal
- £31,000 Fresh produce business funding Fresh produce businessRevenue-based
- £30,000 Funding for an established family business Family trading businessBusiness facility
- £30,000 Security services business funding Security services businessContract mobilisation
- £30,000 £30,000 funding for a trading and business services company Trading and business services companyUnsecured business loan
- £20,000 £20,000 funding for an aviation safety services business Aviation safety services businessBusiness loan
No published transactions match that yet. Every case is different, so it is still worth a conversation.
Client details are anonymised. Every case is different and past results don't guarantee future outcomes: lenders set their own criteria and all finance is subject to status.
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About these case studies
Is this a real transaction?
Yes. Every case study on this site is a transaction we arranged and saw through to completion. Client details are anonymised, and we only publish what we can verify: we never invent figures, rates or outcomes.
Do you lend the money yourselves?
No. Smart Funding Solutions is a credit broker, not a lender. We search a panel of 300+ lenders, present your case to the ones whose criteria fit, and manage the application through to completion. The lender makes the final decision and all finance is subject to status.
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