VAT loans made for

A VAT loan helps you spread the cost of your quarterly bill. Keeping your cashflow steady, your projects on track, and your business focused on growth.

Start My VAT Loan Quote Prefer a Chat? We’ll Ring You

Flexible funding for scaffolding contractors with VAT to pay.

From £10k bills to major six-figure payments, we help scaffolding contractors spread the cost of their VAT. We help scaffolding contractors across the UK access fast, flexible VAT solutions with funds paid directly to HMRC. Click below to see how a VAT loan could support your business.

Cover Quarterly VAT Bills

Cover Quarterly VAT Bills

Quarterly vat bills

We help scaffolding contractors spread the cost of their quarterly VAT returns, with loans starting from £5,000. You stay focused on the job, and we sort the bill with HMRC directly.

Signing
Loans from £5,000
Calendar
Terms from 3-12 months
People
Paid directly to HMRC
No fees
No early repayment fees
Get a Quote for your VAT Bill Prefer a Chat? We’ll Ring You

Preserve Working Capital

Preserve Working Capital

Working capital

A VAT loan lets you hold onto working capital, so you can fund materials, payroll, or expansion instead of tying up cash in tax.

Signing
Loans from £5,000
Calendar
Terms from 3-12 months
People
Paid directly to HMRC
No fees
No early repayment fees
Protect My Working Capital Prefer a Chat? We’ll Ring You

Smooth Out Cashflow

Smooth Out Cashflow

Cash flow

VAT loans help scaffolding contractors avoid quarterly cashflow hits by replacing one big lump sum with smaller, predictable monthly payments. Bringing their VAT in line with other monthly bills.

Signing
Loans from £5,000
Calendar
Terms from 3-12 months
People
Paid directly to HMRC
No fees
No early repayment fees
Get a Quote to Smooth Out Cashflow Prefer a Chat? We’ll Ring You

Plan Ahead with Confidence

Plan Ahead with Confidence

Plan ahead

With fixed payments and clear timelines, a VAT loan gives you more control over what’s coming in and going out. So you can plan, quote, and manage the business with less guesswork.

Signing
Loans from £5,000
Calendar
Terms from 3-12 months
People
Paid directly to HMRC
No fees
No early repayment fees
Plan My VAT Payments Prefer a Chat? We’ll Ring You

Keep Projects and Payroll Moving

Keep Projects and Payroll Moving

Payroll

Instead of VAT draining your operating funds, we help scaffolding contractors keep cash available for projects, site setup, crew and equipment.

Signing
Loans from £5,000
Calendar
Terms from 3-12 months
People
Paid directly to HMRC
No fees
No early repayment fees
Keep My Business Moving Prefer a Chat? We’ll Ring You

Pay HMRC On Time, Every Time

Pay HMRC On Time, Every Time

Hmrc

We arrange VAT loans that are paid straight to HMRC, so you never miss a deadline, damage your credit, or get hit with fines. You stay compliant, we handle the stress.

Signing
Loans from £5,000
Calendar
Terms from 3-12 months
People
Paid directly to HMRC
No fees
No early repayment fees
Make My VAT Payment on Time Prefer a Chat? We’ll Ring You

Support for Repeat VAT Cycles

Support for Repeat VAT Cycles

Repeat cycle

We help scaffolding contractors set up rolling VAT loan facilities so you’re not chasing funds every three months. Just clear, recurring support when you need it.

Signing
Loans from £5,000
Calendar
Terms from 3-12 months
People
Paid directly to HMRC
No fees
No early repayment fees
Set Up Rolling VAT Support Prefer a Chat? We’ll Ring You

VAT Loan Calculator

Use our quick calculator to see how a short-term VAT loan could ease the pressure.

£50,000

Monthly Payment: £0.00

Total Repayable: £0.00

For quotes over £250k, please contact us directly on 01494 321688.

This calculator provides an estimated cost only. Actual rates and terms will depend on your circumstances and our assessment. This is not an offer or a final quote.

Want a tailored VAT loan quote for your scaffolding business?

Fast approval, fixed monthly payments and keep other finance lines (like asset finance) untouched.

Get My Tailored Quote Call Me To Discuss My Quote

Getting a VAT Loan Is Easier Than You Think.

Here’s the 4 Easy Steps to Secure Your Loan

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Apply in Seconds

Fill in a quick form (no paperwork required).

Quote Within Minutes

Get a tailored quote within 60 minutes.

Get Accepted in 24 Hours

Our panel of lenders will review your application and provide a decision within 24 hours

Funds Released

Once approved, the funds are released direct to HMRC.

Start My VAT Loan Quote

Your VAT loan questions, answered.

We make loans simple. Here’s what scaffolders ask the most.

What is a VAT loan and how does it work?

What is a VAT loan and how does it work?

A VAT loan is short term business finance that covers your quarterly VAT bill. We arrange the loan, once approved, the funds are paid directly to HMRC by the lender.

Can I get a VAT loan for any amount?

Can I get a VAT loan for any amount?

We arrange VAT loans from £5,000 to £750,000, depending on your business size and the VAT liability. Whether it’s your first loan or part of a long term strategy, we’ll tailor it to fit.

How quickly can I get a VAT loan approved?

How quickly can I get a VAT loan approved?

Most VAT loans are approved within 24 hours, often faster. Just fill out a quick quote form and we’ll take care of the rest.

Who receives the VAT loan funds?

Who receives the VAT loan funds?

The lender pays your VAT loan directly to HMRC. That means no delays, no missed deadlines, and no risk of using the money elsewhere by accident.

Do I need to secure the VAT loan against assets?

Do I need to secure the VAT loan against assets?

In almost all cases, VAT loans are unsecured no vehicles, materials, or property required. We work with lenders who understand how scaffolders operate.

Can I repay my VAT loan early?

Can I repay my VAT loan early?

Yes. Most VAT loans come with no early repayment charges so if you want to pay it off sooner, you can.

Can I get a VAT loan if I’ve had credit issues?

Can I get a VAT loan if I’ve had credit issues?

We work with specialist lenders who look at more than just credit scores. If your business is trading and has regular VAT bills, we may still be able to help.

Is a VAT loan right for my scaffolding business?

Is a VAT loan right for my scaffolding business?

If paying your VAT bill puts pressure on cashflow or delays other spending, a VAT loan can help. It spreads the cost and frees up funds so you can keep the business moving without interruptions.

Have more questions? Speak to an expert.

Real Proof.Real Scaffolders.

A few client testimonials for business loans.

We have used Carl on many occasions to finance our equipment. Always an extremely quick service from enquiry till we have material in our yard. Happy to recommend. First class.

We have used Scaffold Finance for the last 2 years and taken our 5/6 different finance packages. Carl is a pleasure to deal with and goes above and beyond to find the best rate on offer!

We used Scaffold Finance for the purchase of a new electric works vehicle. Carl was our main point of contact, and he was always very prompt at getting the quotes back to us, and very professional throughout the whole process. The rates were very competitive and I would definitely use Scaffold Finance for any future finance that we may require.

Carl at Scaffold Finance sorted our VAT Loan for us with minimum effort for us. Quick turnaround, easy to arrange, great service

The best in the business for all your finance needs.

Scaffold Finance were a huge help in helping us secure finance on a truck.

Top company. Top service. Can’t recommend Scaffold Finance enough!

A great company to work with. Fast and efficient at what they do. The best around for sure.

We have used Carl over the past 10+ years for all our finance. He’s a real asset to our company. Thanks!

We have used Carl on many occasions to finance our equipment. Always an extremely quick service from enquiry till we have material in our yard. Happy to recommend. First class.

We have used Scaffold Finance for the last 2 years and taken our 5/6 different finance packages. Carl is a pleasure to deal with and goes above and beyond to find the best rate on offer!

We used Scaffold Finance for the purchase of a new electric works vehicle. Carl was our main point of contact, and he was always very prompt at getting the quotes back to us, and very professional throughout the whole process. The rates were very competitive and I would definitely use Scaffold Finance for any future finance that we may require.

Carl at Scaffold Finance sorted our VAT Loan for us with minimum effort for us. Quick turnaround, easy to arrange, great service

The best in the business for all your finance needs.

Scaffold Finance were a huge help in helping us secure finance on a truck.

Top company. Top service. Can’t recommend Scaffold Finance enough!

A great company to work with. Fast and efficient at what they do. The best around for sure.

We have used Carl over the past 10+ years for all our finance. He’s a real asset to our company. Thanks!

See More Success Stories

Ready to get your next VAT bill sorted?

We’ve helped scaffolders across the UK spread the cost of their VAT and stay cashflow strong. Now it’s your turn. Get a quick quote or have a quick chat with the team.

Get Your VAT Loan Speak to a VAT Loan Specialist

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First Leasing UK Limited t/a Scaffold Finance is incorporated in England and Wales, company number 04401552. We are a credit broker and not a lender. We work with a panel of lenders and may receive a commission for introducing you to one of them. This commission may vary depending on the lender, product, or other factors. The amount of commission received will affect the total amount payable under your finance agreement.

Scaffold Finance and holds a current Data Protection Licence, reference number ZB094119. We are committed to treating customers fairly and operate in line with the Financial Conduct Authority’s (FCA) principles and consumer duty standards. FCA license number 976116.

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