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The flexibility of a VAT loan takes 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.

Key features
Lending criteria
Product guide
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Key features

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

Maximum 5 month term or until the next rebate is due

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

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

Lending criteria

VAT loan - Funding up to 100% of the VAT bill due to HMRC
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 of the amount recoverable and date due from the borrower’s accountant
Confirmation that the property purchase is VAT inclusive from the Bank’s Solicitors
Only available for VAT registered businesses taking out a new Cambridge & Counties Bank commercial loan*
The commercial property purchase is subject to our commercial loan criteria
Available in England, Scotland or Wales
Download our product guide

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

English home

Get in touch with our experienced property finance team

As a specialist property funder, we pride ourselves on using our expert knowledge and depth of understanding to provide common sense loan structures.

We shape each loan to suit your individual requirements because we know that every business has different needs.

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Our funding solutions

Commercial property

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Residential property

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Mixed-used property

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Haven’t quite found what you’re looking for?

Get in touch with our experienced team or take a look at our Useful documents and FAQs page.

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    For general enquiries please contact:

    Call us on:

    0344 225 3939

    email us at:

    Fax us on:

    0116 254 4637

    Find us at:

    Cambridge & Counties Bank
    Charnwood Court
    5B New Walk
    Leicester LE1 6TE

    Existing customers please contact:

    Call us on:

    0344 225 3800

    email us at:

    [email protected]

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