The Timing Problem
Professional practices frequently bill income in one period and receive it in the next. VAT does not wait for the cash to arrive. The mismatch between when VAT is incurred and when cash is available to pay it is the structural problem that VAT funding solves.
How It Works
A 3-month structured facility covers the full VAT liability when it falls due. The practice repays in three equal monthly instalments aligned to the quarter. The overdraft stays untouched. Initial feedback is usually available within 24–48 hours for established practices.
Who Benefits Most
- Law firms with persistent lock-up — VAT falls due before fee receipts arrive.
- Surveyors and barristers — project completions and brief settlements create concentrated billing in one quarter.
- Dental practices during expansion — cash is needed elsewhere.
Any practice where the overdraft is regularly near its limit when the VAT quarter falls due.
