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
Quick enquiry
Need funding for your practice?
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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.
What does it cost to talk to you?
It is free to enquire and there is no obligation. Any broker fee is disclosed separately before you proceed, and there is no obligation to accept an offer.
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.
Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.
Business owner, asset finance
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.
Business owner, business loan
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!
Business owner, first business loan
Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.
Business owner, expansion funding
I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.
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£17,125.87
£80,000
£2,200,389