You're not alone. Many businesses face VAT cash flow challenges. The good news is there are several legitimate options to help you manage your VAT debt - but acting quickly is important.
Takes approximately 3 minutes
How much VAT do you currently owe HMRC?
Include any penalties or interest if you know them. An estimate is fine.
The amount you owe affects which options are available. Smaller debts are often easier to resolve through HMRC's Time to Pay. Larger debts may benefit from commercial finance solutions.
What's the status of your VAT debt?
This helps us understand the urgency and which options are still available.
The earlier you act, the more options you have. HMRC typically begins escalating action after 30 days, and enforcement (bailiffs, winding-up petitions) usually starts after multiple missed deadlines.
What's the main reason you're unable to pay?
Understanding the cause helps identify the right solution.
What's your approximate monthly revenue?
This helps assess your ability to make repayments.
Do you have outstanding invoices owed to you by customers?
Money owed to you could be used to fund your VAT payment.
If you have significant invoices outstanding, invoice factoring or discounting could release up to 90% of their value within 24-48 hours - potentially solving your VAT problem immediately.
Does your business have assets that could secure a loan?
Assets can help you access better lending terms.
Are you behind on payments to other creditors?
This helps us understand the full picture and recommend the right approach.
When debts are mounting with several creditors, it may be worth speaking to an insolvency practitioner. This doesn't necessarily mean closing your business - options like CVAs (Company Voluntary Arrangements) can help restructure debts while you continue trading.
What's most important to you right now?
This helps us prioritise your options.
Based on your situation, here are your most suitable options
Thank you. A specialist will be in touch within 1 business day to discuss your options confidentially.
What happens next?
A specialist will call you to understand your situation in more detail and explain your options clearly. There's no obligation and the initial consultation is free.