The partnership needed repeated VAT and HMRC funding to spread large tax liabilities and keep working capital inside the practice. Across six separate facilities, we arranged £2,200,389 in total. Six facilities completed, totalling £2,200,389. The partnership meets its tax obligations and spreads the cost, rather than taking a single large cash hit each time.
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 partnership wanted additional funding, assessed on the quality of the firm itself.
01
The requirement
The partnership needed repeated VAT and HMRC funding to spread large tax liabilities and keep working capital inside the practice.
Across six separate facilities, we arranged £2,200,389 in total.
02
The challenge
The value of a professional partnership sits in its people, clients and recurring fee income, not heavy physical assets. Lenders needed to understand the quality of that income.
Paying each liability in one go would have drawn heavily on the cash the practice runs on.
03
The structure
We separated each tax liability from normal operating cash flow and presented the partnership on the strength of its fee income.
Each time a new liability fell due, we went back to the market and arranged the next facility.
04
The result
Six facilities completed, totalling £2,200,389.
The partnership meets its tax obligations and spreads the cost, rather than taking a single large cash hit each time.
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.
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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
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