The firm wanted VAT funding to spread a periodic tax liability and keep cash inside the practice. Across two facilities, we arranged £67,201 in total. Two VAT facilities completed, totalling £67,201. The firm met its VAT and kept its working capital intact.
Professional firms are built on people, fees and client relationships rather than machinery or stock. That changes how a lender needs to look at them.
This accountancy firm wanted additional funding, assessed on the quality of the firm itself.
01
The requirement
The firm wanted VAT funding to spread a periodic tax liability and keep cash inside the practice.
Across two facilities, we arranged £67,201 in total.
02
The challenge
A professional firm's value sits in its people, clients and recurring fee income rather than heavy physical assets. The lender needed to understand the quality of that income.
03
The structure
We separated the VAT liability from normal operating cash flow and arranged funding to spread it, presenting the firm on the strength of its recurring fee income.
04
The result
Two VAT facilities completed, totalling £67,201.
The firm met its VAT and kept its working capital intact.
What our clients say
I manage the VFO department at an accountancy practice and contacted Simon on behalf of a client whose unique situation made him appear unsuitable for finance. I had a chat with Simon and he got straight onto the case and found a fantastic finance deal which allows my client to take his business to the next level. Finance that appeared unattainable was sorted within a short period of time.
Accountancy practiceIntroduced a clientGoogle review
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Can a professional firm borrow without much physical security?
Often, yes. Lenders that understand professional firms look at fee income, client relationships and the strength of the practice rather than machinery or stock. See funding for professional practices.
Can a business borrow to pay a VAT or tax bill?
Often, yes. VAT, corporation tax and other HMRC liabilities can be spread with a dedicated tax funding facility, so the bill is paid on time without draining working capital. Subject to status. See HMRC and tax funding.
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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Your business
Could this structure work for your business?
Every case is assessed on its own merits. These pages explain the finance used here and what lenders look at.
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.
£17,125.87
£80,000
£2,200,389