The business needed headroom to cover VAT and wider working capital while its recurring customer revenue built up. We arranged £45,711. The facility completed at £45,711, giving the business headroom while its recurring revenue grew.
Creative and digital businesses are service-led. Their value sits in people, clients and recurring work rather than equipment.
This data and technology services business wanted funding assessed on that basis.
01
The requirement
The business needed headroom to cover VAT and wider working capital while its recurring customer revenue built up.
We arranged £45,711.
02
The challenge
A service-led business has few physical assets, so it had to be assessed on its trading and cash generation.
03
The structure
We separated the tax liability from normal operating cash flow and arranged a term loan that let the business meet it while keeping liquidity for trading.
04
The result
The facility completed at £45,711, giving the business headroom while its recurring revenue grew.
What our clients say
I contacted them to apply for a VAT funding loan. Simon responded within half an hour of my request and was able to confirm funding within a 24 hour period. It was the first time I have had to apply for funding owing to a short-term cash flow problem, and he made the journey so easy. Kind and highly efficient: I would highly recommend them for a fast, professional service.
Company directorVAT fundingGoogle review
Quick enquiry
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Can a service-led creative or digital business borrow?
Yes. With few physical assets, lenders focus on trading performance, cash generation and recurring clients. Presenting those clearly is what matters.
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.
£60,000
£20,840
£12,000