VAT loans - Campaign page - Cambridge & Counties Bank

Unlock your client's cashflow with a vat loan

pie chart with property on top to explain vat loan proportion

Make commercial property deals smoother with a VAT Loan that unlocks short-term cash flow for your clients.

The flexibility of a VAT Loan can take the pressure off cash reserves, allowing you to retain working capital to invest in other important business areas. As an alternative funding line, it smooths cash flow peaks and troughs without using up existing funds.

Could this help your clients?

Let's talk

Here’s how it works

Business owners could take the sting out of paying upfront VAT bills on commercial property by taking out a VAT loan with us. Our
solution provides a 5 month facility to SMEs, allowing them to retain valuable cash reserves for other important business areas.

We will work with businesses, assessing individual circumstances to decide if a VAT loan would be the right choice.

Example one

COMMERCIAL PROPERTY PRICE:
▶ £500,000

Example two

COMMERCIAL PROPERTY PRICE:
▶ £750,000

Commercial property loan 750 infographic

Key features

Funding for up to 100% of the VAT bill due to HMRC

Only available in conjunction with a new Cambridge & Counties Bank Commercial loan*

Maximum 5 month term or until the next rebate is due

Lending available in England, Scotland & Wales

Lending criteria

VAT loan - Funding up to 100% of the VAT bill due to HMRC
Only available for VAT registered businesses taking out a new Cambridge & Counties Bank commercial loan*
Commercial loan up to 70% LTV of the open market value, plus an additional linked VAT loan up to 20%, providing a combined maximum 90% LTV inclusive of all fees
Maximum term is 5 months from the date of draw down or until the next rebate is due

Confirmation that the property purchase is VAT inclusive from the Bank’s Solicitors
Confirmation of the amount recoverable and date due from the borrower’s accountant
The commercial property purchase is subject to our commercial loan criteria
Available in England, Scotland or Wales

*A VAT Loan is not available for commercial bridging and commercial refurbishment loans.

Get in touch with our experienced team

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